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FX live, 150 of 153 currencies refreshed 27 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
PayPal wallet checkout for merchants. Buyer protection and dispute handling are bundled into the rate, which sits above raw card acquiring.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: PayPal published commercial transaction rate.
In force since 14 Sept 2024
3.20% effective
−10.2% relative
Since 1 Jan 2019
Rates are step functions: each level holds until it is replaced.
| Online | 2.9% + £0.30 | since 14 Sept 2024 |
| Chargeback | £14.95 | since 25 Oct 2022 |
| Currency conversion | 4% | since 2 Jul 2022 |
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.