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By type
Every direct debit rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market's own currency. 4 methods across 14 priced markets.
0.60%
European Payments Council
Euro-area recurring debit with an eight-week no-questions-asked refund right for consumers.
Stripe
US batch bank debit. Percentage-based but capped, which makes it dramatically cheaper than cards above roughly $200.
0.90%
Banco Central do Brasil
Recurring authorisation on top of Pix, letting merchants collect subscriptions over Brazil's instant rail instead of via card.
Pay.UK
UK recurring bank debit, the standard rail for subscriptions and utility billing.
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.
FX live, 150 of 153 currencies refreshed 16 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.