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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.
UnionPay · launched 2002
China's card network and, by cards issued, the largest in the world. Domestic merchant rates are capped by the regulator well below Western levels.
A scheme- or regulator-set rate, or a widely reported figure. Source: PBOC-capped domestic merchant service charge.
In force since 20 Jan 2023
0.60% effective
−10.6% relative · from 0.67%
−25.6% relative · 4 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
20 Jan 2023 → current
21 Jun 2021 → 20 Jan 2023
Interchange mix shifted toward premium consumer credit cards.
2 Jul 2020 → 21 Jun 2021
1 Jan 2019 → 2 Jul 2020
Online pricing across every country where this method is available, with the cost on a SGD 100.00 payment for comparison.
| Hong Kong |
| 0.6% |
| HK$0.60 |
| 0.60% |
| 28 Apr 2022 |
| Reported rate |
| Japan | 0.6% | ¥1 | 0.60% | 1 Nov 2023 | Reported rate |
| Kazakhstan | 0.6% | KZT 0.60 | 0.60% | 30 Jun 2024 | Reported rate |
| Laos | 0.6% | LAK 0.60 | 0.60% | 22 Feb 2022 | Reported rate |
| Macau | 0.6% | MOP 0.60 | 0.60% | 1 Nov 2021 | Reported rate |
| Malaysia | 0.6% | MYR 0.60 | 0.60% | 2 Mar 2024 | Reported rate |
| Mongolia | 0.6% | MNT 0.60 | 0.60% | 18 Feb 2024 | Reported rate |
| Myanmar | 0.6% | MMK 0.60 | 0.60% | 6 Mar 2025 | Reported rate |
| Pakistan | 0.6% | PKR 0.60 | 0.60% | 8 Oct 2023 | Reported rate |
| Russia | 0.6% | RUB 0.60 | 0.60% | 23 Jun 2024 | Reported rate |
| Singapore | 0.6% | SGD 0.60 | 0.60% | 20 Jan 2023 | Reported rate |
| South Korea | 0.6% | ₩1 | 0.60% | 5 Sept 2022 | Reported rate |
| Thailand | 0.6% | THB 0.60 | 0.60% | 21 Nov 2022 | Reported rate |
| United Arab Emirates | 0.6% | AED 0.60 | 0.60% | 15 Apr 2024 | Reported rate |
| United Kingdom | 0.6% | £0.60 | 0.60% | 13 May 2023 | Reported rate |