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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
By type
Every bank transfer rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market's own currency. 14 methods across 41 priced markets.
0.10%
KNET
Kuwait's shared banking network. Domestic debit and online payments run over KNET at a flat per-transaction fee rather than a percentage, making it very cheap on large baskets.
0.25%
European Payments Council
Standard euro-area bank transfer, settled next business day at a flat fee.
0.29%
iDEAL / Currence
Dutch bank-redirect scheme covering the large majority of Netherlands e-commerce. Priced as a flat per-transaction fee with no percentage component, which makes it extremely cheap on large baskets.
0.29%
Bancontact Payconiq
Belgium's domestic debit and mobile payment scheme, carrying the majority of Belgian card and online payments at a flat per-transaction fee.
0.40%
Stuzza
Austria's bank-transfer scheme for online checkout, guaranteed by the participating banks.
0.40%
BPAY
Australia's long-standing bill payment scheme, run through internet banking at a flat biller fee.
0.50%
SIBS
Portugal's interbank network. A reference number generated at checkout is paid at an ATM or in a banking app, at a flat fee with no chargeback risk.
1%
SADAD
Saudi Arabia's national bill-payment system, connecting billers to every bank in the kingdom at a flat per-bill fee.
1%
PayNet
Malaysia's online banking redirect, priced as a flat per-transaction fee and therefore very cheap on large baskets.
1.10%
Trustly
Pan-European open banking payments, connecting merchant checkout directly to the customer's bank account.
Klarna
Real-time bank transfer at checkout, formerly Sofortüberweisung, strongest in German-speaking Europe.
1.50%
Przelewy24
Polish online banking aggregator connecting every domestic bank to merchant checkout.
1.50%
Ozow
South African instant EFT: the shopper authorises a bank transfer during checkout, avoiding card interchange entirely.
3500%
ACH Colombia
Colombia's online banking redirect, the standard non-card way to pay for e-commerce.
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.