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Operator of the FedNow instant settlement service.
The United States' instant settlement rails, the Clearing House's RTP since 2017 and the Federal Reserve's FedNow since 2023. Flat per-transaction pricing, a fraction of a cent per dollar at any size.
Priced in 1 market · Headline rate 0% · Instant · Business
| Market | Listed fee | Channel | Status | In force since | Details |
|---|---|---|---|---|---|
 United States | $0.05 | Online | Published rate | View |
It depends on the product and the market. FedNow / RTP, headline rate 0% in 1 market. The headline rate is the percentage part only; fixed fees, minimums and caps are listed per market.
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.
Its products here are for sending money, not for paying a business at checkout.
Its products are priced in 1 market here. A market missing from the list has not been recorded yet, which does not mean Federal Reserve is absent there.
Each rate shows the date it took effect and whether it is published by Federal Reserve, reported or estimated. The newest change shown took effect on 27 Nov 2025. Check with Federal Reserve before relying on a figure.
