Loading page
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 54 markets.
How it works:Digital Wallets
32 of 32 methods
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.
India's largest UPI application by transaction volume. Person-to-merchant UPI carries zero merchant discount rate by mandate.
Wallet embedded in the WeChat super-app, dominant for in-person QR payments in mainland China.
Ant Group
0.60% – 2.50%
Range across markets
China's largest wallet. Domestic merchant rates are low by global standards; cross-border acceptance for foreign merchants is priced higher.
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.
Checkout button that pays straight from a Revolut balance, avoiding card interchange for the merchant.
Colombian digital wallet from Bancolombia, widely used for peer-to-peer and small-merchant payments.
Neo
1.50%
In Lebanon
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.
Turkish e-money wallet with free domestic transfers, widely used for online payments and peer-to-peer.
Nepal's first and largest digital wallet, used for bill payments, transfers and online checkout.
Colombian mobile wallet that reached much of the previously unbanked population.
Saudi digital wallet and licensed digital bank, spun out of the national telecom operator.
Southeast Asian super-app wallet, strongest for in-app commerce and QR payments.
Indonesian digital wallet backed by Ant Group, widely used for e-commerce and bill payment.
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.
Indian prepaid wallet. Merchant discount applies to wallet balance, unlike zero-MDR UPI.
Thai wallet and agent network operating across mainland Southeast Asia.
Wallet embedded in the Careem super-app, used for rides, deliveries and peer-to-peer transfers across the Gulf.
Indonesian wallet embedded in the Gojek super-app, used for rides, food and merchant QR payments.
Wallet built into the Shopee marketplace, dominant for in-app commerce across Southeast Asia.
Vietnam's largest e-wallet, used for bill payment, transfers and merchant QR.
Philippine wallet and licensed digital bank, the main competitor to GCash.
The Philippines' dominant mobile wallet, with more users than the country's banking system reaches.
South Korean wallet built into the KakaoTalk messenger, used by most of the country's adult population.
Wallet and checkout built into Korea's dominant search and commerce portal.
Block's US consumer wallet, combining peer-to-peer transfers, a card, stock and bitcoin.
Wallet inside the LINE messenger, significant in Taiwan, Japan and Thailand.
PayPal wallet checkout for merchants. Buyer protection and dispute handling are bundled into the rate, which sits above raw card acquiring.
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.
Latin American wallet and acquirer. Rates fall sharply as the merchant accepts a longer settlement delay.
Wallet tied to Japan's largest e-commerce group and its loyalty point ecosystem.
PayPal's US consumer wallet, now accepted at merchant checkout as well as for peer-to-peer.
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.
