As a customer, yes! We do not and will not charge any fees at all for customers to use KodyPay. For merchants, we charge a small transaction fee just as any other provider would. However, KodyPay seeks to reduce transaction fees and hardware costs for merchants, so it is still cheaper for merchants to accept payments using KodyPay. We also support foreign nationals by not adding to currency exchange fees: enabling you to use the app just as easily as UK citizens.