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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
By type
Every real-time payment rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market's own currency. 33 methods across 55 priced markets.
Bank of Thailand
Thailand's national instant payment scheme. Free or near-free by design, it displaced a large share of cash and card volume within a few years.
0%
State Bank of Pakistan
Pakistan's central-bank instant payment system, free for person-to-person transfers and priced minimally for 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.
0%
NPCI
India's instant account-to-account rail. Person-to-merchant UPI has carried a government-mandated zero merchant discount rate since January 2020, which is why it now dominates Indian retail payments.
0%
Early Warning Services
Bank-owned instant transfer network built into most US banking apps. Free between consumers and, critically, irreversible, there is no dispute process, which is why it is not a merchant checkout rail.
0%
Banco de México
Mexico's QR payment layer on top of SPEI, mandated by the central bank to be free of merchant charges.
0.04%
Federal Reserve
The United States' instant settlement rails, the Clearing House's RTP since 2017 and the Federal Reserve's FedNow since 2023. Flat per-transaction pricing, a fraction of a cent per dollar at any size.
0.15%
European Payments Council
Messaging layer that lets a merchant request an instant SEPA payment, used to build A2A checkout across the euro area.
0.20%
Association of Banks in Singapore
Singapore's instant account-to-account rail, addressable by phone number or business registration number. Free between consumers; merchants pay a small flat fee.
0.20%
Pay.UK
UK near-instant account-to-account transfers. When used for merchant collection via open banking, pricing is a small flat fee rather than a percentage.
European Payments Council
Euro-area instant account-to-account transfers, settled in under ten seconds. The 2024 Instant Payments Regulation requires banks to price it no higher than a standard credit transfer.
0.20%
Satispay
Italian payment network that bypasses card rails entirely, debiting the customer's bank account directly. Free below a small threshold, then a flat fee, deliberately not a percentage.
0.20%
Payconiq
Benelux QR and instant payment scheme, merged with Bancontact in Belgium and used standalone in Luxembourg.
0.25%
PayNet
Malaysia's instant transfer and QR scheme, operated by the national payments network.
0.30%
AusPayNet
Australia's New Payments Platform: instant account-to-account transfers addressed by phone number or email.
0.50%
Banco de Crédito del Perú
Peru's dominant payment app, free between consumers and now interoperable with its main competitor.
0.50%
BENEFIT
Bahrain's national payment scheme and instant-transfer wallet, operated by the country's shared banking network.
0.60%
Polski Standard Płatności
Poland's instant payment scheme: a six-digit code generated in the banking app authorises a payment in seconds. It overtook cards for Polish e-commerce within a few years of launch.
0.70%
Bizum
Spain's bank-operated instant payment service, addressable by phone number and increasingly accepted at online checkout.
0.70%
Bank Indonesia
Indonesia's unified QR standard: one code accepts every wallet and bank app in the country, at a merchant rate capped by the central bank.
Bank of Russia
Russia's central-bank instant payment and QR system, with merchant fees capped well below card rates by the regulator.
0.70%
Bank Hapoalim
Israel's dominant peer-to-peer payment app, now widely accepted by merchants for instant account-to-account payment.
0.99%
Banco Central do Brasil
Brazil's central-bank instant payment scheme. Merchant pricing is set by the participating bank or PSP and has fallen steeply since launch as competition intensified.
HKICL
Hong Kong's instant interbank rail, free between consumers and addressable by phone number or email.
Interac
Canada's near-universal bank transfer service, addressable by email, and the standard way Canadians move money.
1%
SIBS
Portugal's instant mobile payment app, built on the Multibanco network.
1.10%
VNPAY
Vietnam's leading QR payment network, connecting the country's banking apps to merchants.
1.25%
MobilePay
Denmark and Finland's dominant mobile payment app, now part of the same group as Vipps.
1.30%
TWINT
Switzerland's bank-backed mobile payment app, covering QR retail, e-commerce and peer-to-peer.
1.80%
Viva Republica
Korean fintech app offering instant account-to-account transfers and payments, now a licensed bank.
2%
Getswish
Sweden's instant payment app, jointly owned by the major banks and used by most of the population. Free between consumers; merchants pay a small flat fee.
2.25%
Vipps
Norway's near-universal mobile payment app, used for retail, e-commerce and peer-to-peer.
4%
Banco de México
Mexico's central-bank instant interbank transfer system, free or near-free and the backbone of Mexican digital payments.
NIBSS
Nigeria's instant interbank transfer rail. Regulator-capped flat fees make it dramatically cheaper than cards, and it carries the bulk of Nigerian retail payment value.