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 24 shared markets below are the whole basis.
Where both are priced
Markets the other lacks
Markets the other lacks
Visa is cheaper in 24 of the 24 shared markets, Western Union 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.
| Market | Visa | Western Union | Cheaper |
|---|---|---|---|
| BangladeshCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| ColombiaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate |
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.
| Visa |
| Dominican RepublicCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| EgyptCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| GhanaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| GuatemalaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| IndiaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| IndonesiaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| IraqCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| JordanCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| KenyaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| LebanonCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| MexicoCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| MoroccoCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| NepalCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| NigeriaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| PakistanCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| PeruCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| PhilippinesCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| RomaniaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| Sri LankaCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| TürkiyeCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| UkraineCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |
| VietnamCurrency conversion | Visa Cross-border scheme fees1%Estimate | Western Union3%Estimate | Visa |