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FX live, 150 of 153 currencies refreshed 15 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
By type
Every digital wallet rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market's own currency. 32 methods across 140 priced markets.
0%-7.78%
Tokenised wallet on card rails in most markets, and a UPI front-end in India where the merchant rate is zero for person-to-merchant UPI.
0%
PhonePe
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.
India's largest UPI application by transaction volume. Person-to-merchant UPI carries zero merchant discount rate by mandate.
0.60%-2.50%
Tencent
Wallet embedded in the WeChat super-app, dominant for in-person QR payments in mainland China.
0.60%-2.50%
Ant Group
China's largest wallet. Domestic merchant rates are low by global standards; cross-border acceptance for foreign merchants is priced higher.
Whish Money
Lebanese mobile wallet that became core payments infrastructure after the 2019 banking collapse. Holds USD and LBP balances, settles peer-to-peer instantly, receives international remittances, and cashes in and out through a dense agent network, reaching people the banking system stopped serving.
1.20%
Revolut
Checkout button that pays straight from a Revolut balance, avoiding card interchange for the merchant.
1.50%
Bancolombia
Colombian digital wallet from Bancolombia, widely used for peer-to-peer and small-merchant payments.
1.50%
Neo
Lebanese digital payment app offering a wallet, transfers and card services. Included at user request: no public merchant rate card could be located, so every figure here is a placeholder estimate rather than a sourced rate, treat it as a stub to be corrected, not as pricing.
1.50%
Papara
Turkish e-money wallet with free domestic transfers, widely used for online payments and peer-to-peer.
1.50%
eSewa
Nepal's first and largest digital wallet, used for bill payments, transfers and online checkout.
1.50%
Davivienda
Colombian mobile wallet that reached much of the previously unbanked population.
1.75%
stc pay
Saudi digital wallet and licensed digital bank, spun out of the national telecom operator.
1.80%
Grab
Southeast Asian super-app wallet, strongest for in-app commerce and QR payments.
1.80%
DANA
Indonesian digital wallet backed by Ant Group, widely used for e-commerce and bill payment.
1.98%
PayPay
Japan's largest QR wallet. It bought the market with a zero merchant fee for its first four years, then began charging, a textbook case of a fee history that starts at nothing.
1.99%
Paytm
Indian prepaid wallet. Merchant discount applies to wallet balance, unlike zero-MDR UPI.
Ascend Money
Thai wallet and agent network operating across mainland Southeast Asia.
Careem
Wallet embedded in the Careem super-app, used for rides, deliveries and peer-to-peer transfers across the Gulf.
2%
GoTo Group
Indonesian wallet embedded in the Gojek super-app, used for rides, food and merchant QR payments.
Sea Group
Wallet built into the Shopee marketplace, dominant for in-app commerce across Southeast Asia.
2%
MoMo
Vietnam's largest e-wallet, used for bill payment, transfers and merchant QR.
2%
Maya
Philippine wallet and licensed digital bank, the main competitor to GCash.
2%
Mynt
The Philippines' dominant mobile wallet, with more users than the country's banking system reaches.
2.30%
Kakao
South Korean wallet built into the KakaoTalk messenger, used by most of the country's adult population.
2.40%
Naver
Wallet and checkout built into Korea's dominant search and commerce portal.
2.75%
Block
Block's US consumer wallet, combining peer-to-peer transfers, a card, stock and bitcoin.
2.80%
LINE
Wallet inside the LINE messenger, significant in Taiwan, Japan and Thailand.
2.90%-80.49%
PayPal
PayPal wallet checkout for merchants. Buyer protection and dispute handling are bundled into the rate, which sits above raw card acquiring.
3.12%-49.90%
Apple
Tokenised wallet that rides existing card rails. Merchants pay no incremental Apple fee, the cost is whatever the underlying card costs, but issuers pay Apple a share of interchange.
3.19%-6.29%
Mercado Pago
Latin American wallet and acquirer. Rates fall sharply as the merchant accepts a longer settlement delay.
3.24%
Rakuten
Wallet tied to Japan's largest e-commerce group and its loyalty point ecosystem.
3.98%
PayPal
PayPal's US consumer wallet, now accepted at merchant checkout as well as for peer-to-peer.