Method	2026 Surcharge	Speed	Best For
Credit/Debit Card	1.40%	Instant	Most applicants (Visa/Mastercard)
PayPal	1.01%	Instant	Higher security/buyer protection
UnionPay	1.90%	Instant	Students from China/East Asia
BPAY	0%	2–3 Days	Large families (Highest limits)

Method	2026 Surcharge	Speed	Best For
Credit/Debit Card	1.40%	Instant	Most applicants (Visa/Mastercard)
PayPal	1.01%	Instant	Higher security/buyer protection
UnionPay	1.90%	Instant	Students from China/East Asia
BPAY	0%	2–3 Days	Large families (Highest limits)

Method	2026 Surcharge	Speed	Best For
Credit/Debit Card	1.40%	Instant	Most applicants (Visa/Mastercard)
PayPal	1.01%	Instant	Higher security/buyer protection
UnionPay	1.90%	Instant	Students from China/East Asia
BPAY	0%	2–3 Days	Large families (Highest limits)

Method	2026 Surcharge	Speed	Best For
Credit/Debit Card	1.40%	Instant	Most applicants (Visa/Mastercard)
PayPal	1.01%	Instant	Higher security/buyer protection
UnionPay	1.90%	Instant	Students from China/East Asia
BPAY	0%	2–3 Days	Large families (Highest limits)