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Early Warning Services · Online
Bank-owned instant transfer network built into most US banking apps. Free between consumers and, critically, irreversible, there is no dispute process, which is why it is not a merchant checkout rail.
A scheme- or regulator-set rate, or a widely reported figure. Source: Zelle is free to consumers at participating banks.
Rates are step functions: each level holds until it is replaced.
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.
