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The provision establishes PayPal's operational authority to incorporate a currency conversion spread into exchange rates for cross-currency transactions, creating a pricing mechanism that applies to all currency conversions executed through the platform regardless of user preference.
Users making payments in currencies other than their preferred currency will be subject to PayPal's transaction exchange rate, which includes a currency conversion spread applied above the base rate. The actual spread amount applied to any given transaction is subject to PayPal's regular adjustments.
How other platforms handle this
When you convert one cryptocurrency to another, Coinbase charges a spread of approximately 0.5% (higher or lower depending on market fluctuations) and a Coinbase Fee based on the size of the transaction and your region.
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"When you make a payment using your PayPal account in a currency you have not selected as a preferred currency, or the payment requires a currency conversion, PayPal will use a transaction exchange rate. The transaction exchange rate is adjusted regularly and includes a currency conversion spread applied to the base exchange rate.— Excerpt from PayPal's PayPal User Agreement
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The provision establishes PayPal's operational authority to incorporate a currency conversion spread into exchange rates for cross-currency transactions, creating a pricing mechanism that applies to all currency conversions executed through the platform regardless of user preference.
Users making payments in currencies other than their preferred currency will be subject to PayPal's transaction exchange rate, which includes a currency conversion spread applied above the base rate. The actual spread amount applied to any given transaction is subject to PayPal's regular adjustments.
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