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50% fee on friends and family to Canada? International or cross border fee is a mystery.

Contributor

50% fee on friends and family to Canada? International or cross border fee is a mystery.

I was showing my sister how to pay me back for the hotels we shared, using Paypal 'friends and family'. She is in Canada and I am in the US.

I sent her $2 USD from my Paypal balance, which translated to $2.48  CAD at the exchange rate. She did not receive $2.48 CAD.

 

She received $1.24 CAD, the gross amount shown below.

How is the Missing $1.24 Paypal fee calculated for this "free " friends and family trans., and WHERE is the rate posted?  

------------------------

May 30, 2018 at 6:22:40 PM PDT      Transaction ID: ************003T   Payment Status: COMPLETED
Your Payment:    Gross Amount  -$1.24 CAD   PayPal Fee   -$1.24 CAD   Net Amount  -$2.48 CAD

 Funding details

Funding Type: PayPal Balance      Funding Source: -$2.00 USD - PayPal Account
 Payment Type: Personal Payment        Gross amount -$1.24 CAD
 
Currency conversion:   Conversion from: $2.00 USD Conversion to: $2.48 CAD Exchange rate: 1.245286