Track payment provider fees next to your routing data
Enter each provider contract once, with its per-payment fees, volume tiers, fixed fees, renewal date and notice date. Unirail prices every routing decision from those terms. It also shows what your monthly volume costs at each provider and what moving some of it would save.
What your volume costs at each provider
The example has two current contracts for UK pay by bank and a renewal offer from Plaid. Set your monthly volume and try moving a share of payments from one provider to the other.
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Active
Plaid, current terms
- Platform fee: £400 a month
- First 10,000 payments: £0.22 each
- Next 40,000 payments: £0.18 each
- After that: £0.15 each
Renews on 1 Feb 2027, with notice due by 1 Dec 2026.
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Active
Yapily, current terms
- No fixed fee
- First 15,000 payments: £0.15 each
- After that: £0.20 each
Renews on 1 Jun 2027, with notice due by 1 Apr 2027.
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Under negotiation
Plaid, renewal offer
- Platform fee: £400 a month
- First 25,000 payments: £0.17 each
- After that: £0.12 each
Would replace today's Plaid terms from 1 Feb 2027.
How deals set the cost of each payment
Unirail prices each payment with the active contract for each provider and the usage so far this month. The next payment is charged at the tier that usage has reached, or at the overage price once every tier is used up.
Usage counts the payments that succeeded this calendar month, from the outcomes your backend reports. Bank links are priced per link the same way. If you haven't entered a contract for a provider, Unirail uses the provider's published price, recorded with its source. With no published price either, the cost is marked unknown and doesn't count against that provider.
See a payment routed with these example contracts, with the cost, time and success likelihood for each provider.
Versioned contracts and renewals
Every edit to a deal creates a new version and keeps the old one. You can always see which terms priced a past decision. Enter a renewal offer as a deal under negotiation to price it beside today's terms at your volume before you reply to the provider.
Each deal records:
- Status: negotiating, active, expired or terminated.
- Dates: start, end, renewal and the last day to give notice.
- Fees: fixed monthly or yearly fees, per-unit tiers and the overage price for payments, bank links or active connections.
- Commitments: minimum volumes or spend you agreed to.
- Ownership: who holds the relationship on your side, notes and a link to the signed contract in your own document store.
Common questions
Will this lower our cost per payment?
It can if your contracts differ. With the preference set to cheapest, each payment goes to the provider whose next payment costs least under your terms. The recommended ranking counts cost too, alongside success likelihood and any existing bank link. The comparison also shows when moving volume would cost more, because keeping volume with one provider can hold you in its cheaper tiers.
How does this help with a provider renewal?
Unirail prices the renewal offer beside your current terms at your actual monthly volume. It also shows what moving part of that volume to another provider you've connected would save. You'll go into the renewal knowing both numbers.
Which providers does routing work with?
Routing decisions, and the savings in them, cover Plaid, Yapily and Enable Banking, the three providers Unirail has adapters for today. Others, including TrueLayer, are listed in the provider marketplace with their coverage for comparison. Unirail can't route payments to them until it has an adapter.
Where does the monthly volume come from?
It comes from the outcomes your backend reports. Payments that succeeded this calendar month count against your payment tiers. Successful bank links count against link tiers. Test traffic never counts towards your live tiers.
What if a contract is priced in euros?
Each contract keeps its own currency. Unirail doesn't source FX rates yet. Without a rate, a decision says when it can't compare a euro price with a sterling one.
Does Unirail see our invoices or pay our providers?
Unirail never sees an invoice. It knows only the terms you enter and the usage your outcomes report. Unirail doesn't sign, pay or renegotiate your contracts with providers.
Do we need a developer to use Deals?
You can enter and compare contracts in the Deals screen of the dashboard without writing code. Routing decisions will use those terms once a developer has connected your backend to Unirail.
Bring your contracts and your volume
Tell us your providers and roughly how many payments you make a month. We'll show you what each one costs you and what moving volume would save.