Payment Method	DHA Surcharge	Processing Time	Best For
BPAY	0.00%	2–3 Days	Saving the most money
PayPal	1.01%	Instant	Security & slightly lower fees
Credit/Debit Card	1.40%	Instant	Convenience / Last-minute apps
UnionPay	1.90%	Instant	Applicants from China

Payment Method	DHA Surcharge	Processing Time	Best For
BPAY	0.00%	2–3 Days	Saving the most money
PayPal	1.01%	Instant	Security & slightly lower fees
Credit/Debit Card	1.40%	Instant	Convenience / Last-minute apps
UnionPay	1.90%	Instant	Applicants from China

Payment Method	DHA Surcharge	Processing Time	Best For
BPAY	0.00%	2–3 Days	Saving the most money
PayPal	1.01%	Instant	Security & slightly lower fees
Credit/Debit Card	1.40%	Instant	Convenience / Last-minute apps
UnionPay	1.90%	Instant	Applicants from China

Payment Method	DHA Surcharge	Processing Time	Best For
BPAY	0.00%	2–3 Days	Saving the most money
PayPal	1.01%	Instant	Security & slightly lower fees
Credit/Debit Card	1.40%	Instant	Convenience / Last-minute apps
UnionPay	1.90%	Instant	Applicants from China