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By type
Every card rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market’s own currency. 30 methods across 236 markets.
How it works:Credit Card PaymentsDebit Card PaymentsPrepaid Cards
30 of 30 methods
Groupement Cartes Bancaires
0.60%
Same in every market
France's domestic card scheme. Most French cards are co-badged CB/Visa or CB/Mastercard, and routing domestically over CB is cheaper for the merchant.
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.
NPCI
0.60%
Same in every market
India's domestic card scheme. Debit RuPay carries zero MDR alongside UPI; credit RuPay is priced conventionally.
Enterprise acquiring priced as interchange + scheme fee + a fixed processing fee. The percentage shown is the typical all-in effective rate for a mixed consumer card mix.
Prepaid card linked to a Whish balance, used online and in person. Card issuance, monthly maintenance and foreign-currency use are usually priced separately from the wallet itself.
Algérie Poste
1.20%
In Algeria
Algeria's domestic card schemes, issued by the postal service and the banking sector for online and ATM use.
Egypt's domestic card scheme, created to cut reliance on international networks and priced well below them.
Russia's domestic card scheme, created after international networks withdrew and now the country's default card rail.
Pan-African payment gateway covering cards, bank transfers, mobile money and payouts across more than 30 markets.
Nigeria's domestic card scheme, issued alongside Visa and Mastercard and priced below them for local transactions.
Standard blended card acquiring on Stripe for domestic online payments. Cross-border and currency-conversion surcharges apply on top of the headline rate.
Neo
1.80%
In Lebanon
Card issued against a Neo account, used online and in person. No public rate card could be located, so this is a stub to be corrected rather than pricing to rely on.
African gateway acquiring, with a capped local rate and a higher international card rate.
Saudi Payments
2%
In Saudi Arabia
Saudi Arabia's domestic debit network. Almost every Saudi bank card is a mada card, and the domestic scheme fee sits far below international card rates, which is why merchants steer to it.
Indian gateway pricing for cards and netbanking; UPI is settled separately at zero MDR.
Card top-up, prepaid card issuance and card-based collection at OMT branches. Included so the provider's card line is visible next to its transfer lines; no published rate card could be located.
Morocco's interbank card processor, which handles the large majority of domestic card acceptance.
Closed-loop network acceptance. Amex typically prices above Visa/Mastercard because it does not split interchange with a separate issuer.
The Gulf's largest acquirer and processor, handling card acceptance for merchants across the GCC and parts of Africa.
areeba
2.75%
Same in every market
Lebanese card processor and acquirer, issuing and acquiring Visa and Mastercard across Lebanon and the wider Levant.
Chile's near-monopoly acquirer for online card payments, operated by the banks' shared processor.
Card acceptance for businesses on an Airwallex account. Cards issued in the US are priced at one rate and foreign cards at a higher one; the rate recorded is the domestic one.
Brazil's domestic card scheme, created by the country's largest banks and accepted nationwide.
Turkish payment gateway (a PayU company), covering card acceptance and the instalment plans Turkish shoppers expect at checkout.
JCB
3.25%
Same in every market
Japan's international card network, accepted across Asia and issued through partners worldwide.
Baseline card acceptance through a cross-border acquirer, available in nearly every market on earth. It is almost never the cheapest option where a domestic scheme exists, it is the one that always works.
Brazilian acquirer and wallet aimed at small merchants, with rates that fall as the merchant accepts slower settlement.
Cross-border gateway specialising in emerging markets, connecting global merchants to local cards, wallets, cash and bank rails.
Egyptian payment gateway and acquirer, now operating across MENA and Pakistan.
South Africa's most widely used payment gateway for small and mid-sized online merchants.
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.
