Is Paysend or Unplex cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between Paysend and Unplex?

Paysend (Flat fee per transfer + small FX margin): Card-to-card global money transfer with a flat fee — established player with strong CIS and emerging-markets coverage. Unplex (Low/zero fee, FX margin only): WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Which is faster, Paysend or Unplex?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, Paysend or Unplex?

Both are licensed money services businesses. Paysend is regulated in UK, EU, USA. Unplex is regulated in USA. As long as you transfer through their official site or app, both are safe to use.

Does Paysend or Unplex offer better exchange rates?

Rate competitiveness varies. Paysend markets flat fee per transfer + small fx margin, while Unplex uses low/zero fee, fx margin only. The recipient amount is the only fair comparison — see the corridor page for live numbers.

Paysend vs Unplex

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Flat fee per transfer + small FX margin

Card-to-card global money transfer with a flat fee — established player with strong CIS and emerging-markets coverage.

Live data unavailable.

Founded 2017

London, UK

Pros

Card-to-card delivery (recipient gets funds on their Visa/Mastercard debit)
Flat fee scales well above $1,000 — competitive for medium amounts
Strong CIS / Eastern Europe coverage (Russia historically, Ukraine, Belarus, Georgia, Kazakhstan)

Cons

Card-to-card has higher recipient-side eligibility requirements (Visa/Mastercard debit only)
FX margin can be wider than Wise on major corridors
Customer service reviews are mixed

Try Paysend

Low/zero fee, FX margin only

WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Live data unavailable.

Founded 2021

Chicago, IL, USA

Pros

Zero app friction — initiate the transfer in WhatsApp
Useful for senders less comfortable with mobile-app onboarding
Low or zero fees on India and Philippines corridors

Cons

Limited destination coverage — India and Philippines only
WhatsApp-as-UI is unusual; may not feel as polished as a native app for some users
Newer entrant with smaller customer base than Remitly or Wise

Try Unplex

Side-by-side comparison

Spec	Paysend	Unplex
Fee model	Flat fee per transfer + small FX margin	Low/zero fee, FX margin only
Headquarters	London, UK	Chicago, IL, USA
Founded	2017	2021
Status	Private (~$300M raised, Mastercard partnership)	Private (Antler-backed, VISA Fintech Fasttrack)
Live USD→INR fee	—	—
Live USD→INR rate	—	—
Recipient gets (USD 1,000)	—	—
Typical speed	—	—
Top corridors	GBP→EUR, USD→PHP, EUR→GEL	USD→INR, USD→PHP

User reviews

Paysend

Read reviews on Trustpilot

Unplex

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We don't host our own reviews — we link to Trustpilot so the rating isn't influenced by us.

Frequently asked questions

Other comparisons

Wise vs Remitly →Wise vs Xoom →Wise vs MoneyGram →Wise vs Western Union →Remitly vs Xoom →Western Union vs MoneyGram →

Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.