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The provision clarifies the fee structure for standard PayPal transactions while establishing the mechanism by which currency conversion pricing is determined. By incorporating the currency conversion spread into the exchange rate applied, the terms define PayPal's methodology for generating revenue on cross-currency transactions.
Users are not assessed separate transaction fees on purchases and donations, but when currency conversion occurs, the exchange rate applied includes PayPal's currency conversion spread as a component of the rate. The actual cost of conversion reflects this spread embedded in the rate rather than as a disclosed separate charge.
How other platforms handle this
Airbnb Payments will collect the Total Fees at the time of booking confirmation (i.e. when the booking request is accepted by a Host for instant bookings). In the event of a cancellation, Airbnb Payments will refund the Guest in accordance with the Host's cancellation policy, and any refund will be ...
If you purchase Robux or other virtual currency, or engage in transactions on our platform, we collect payment information, transaction history, and related financial data necessary to process your purchase and comply with applicable law. We retain transaction records as required by applicable finan...
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 purchase something from a seller who accepts PayPal or make a donation, you don't pay a fee to PayPal. If PayPal performs a currency conversion for your purchase or donation, PayPal's transaction exchange rate (including our currency conversion spread) will be used.— Excerpt from PayPal's PayPal User Agreement
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The provision clarifies the fee structure for standard PayPal transactions while establishing the mechanism by which currency conversion pricing is determined. By incorporating the currency conversion spread into the exchange rate applied, the terms define PayPal's methodology for generating revenue on cross-currency transactions.
Users are not assessed separate transaction fees on purchases and donations, but when currency conversion occurs, the exchange rate applied includes PayPal's currency conversion spread as a component of the rate. The actual cost of conversion reflects this spread embedded in the rate rather than as a disclosed separate charge.
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