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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.
Comparison
Compared only where both are actually priced. Telling you one is cheaper than a rail that does not operate in your market would not be a comparison, so the 6 shared markets below are the whole basis.
Where both are priced
Markets the other lacks
Markets the other lacks
UnionPay is cheaper in 6 of the 6 shared markets, Apple in 0. Each side is priced on the equivalent of $100 through its cheapest product in that market, and both sides are always quoted on the same channel, since a card rate and a payout rate are not the same purchase.
Fees are compared on the equivalent of $100 so markets with different currencies rank against each other rather than by nominal number. A provider running several products is represented by whichever is cheapest in that market, which is the fairest read of “what would this cost me”. Rates marked 0% are genuinely free at the point of use, not missing data. The channel beside each market is the one both providers are quoted on.
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.
| UnionPay |
| JapanOnline | Apple Pay2.9% + ¥47Estimate | UnionPay0.6%Reported rate | UnionPay |
| SingaporeOnline | Apple Pay2.9% + SGD 0.38Estimate | UnionPay0.6%Reported rate | UnionPay |
| United Arab EmiratesOnline | Apple Pay2.9% + AED 1.10Estimate | UnionPay0.6%Reported rate | UnionPay |
| United KingdomOnline | Apple Pay2.9% + £0.22Estimate | UnionPay0.6%Reported rate | UnionPay |
