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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 28 markets.
How it works:Bank TransfersOpen Banking Payments
14 of 14 methods
KNET
0.10%
In Kuwait
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.
Standard euro-area bank transfer, settled next business day at a flat fee.
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.
Belgium's domestic debit and mobile payment scheme, carrying the majority of Belgian card and online payments at a flat per-transaction fee.
Austria's bank-transfer scheme for online checkout, guaranteed by the participating banks.
Australia's long-standing bill payment scheme, run through internet banking at a flat biller fee.
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.
SADAD
1%
In Saudi Arabia
Saudi Arabia's national bill-payment system, connecting billers to every bank in the kingdom at a flat per-bill fee.
Malaysia's online banking redirect, priced as a flat per-transaction fee and therefore very cheap on large baskets.
Pan-European open banking payments, connecting merchant checkout directly to the customer's bank account.
Real-time bank transfer at checkout, formerly Sofortüberweisung, strongest in German-speaking Europe.
Polish online banking aggregator connecting every domestic bank to merchant checkout.
South African instant EFT: the shopper authorises a bank transfer during checkout, avoiding card interchange entirely.
ACH Colombia
3500%
In 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.
