Hello @Bill011,
Welcome to PayPal Community Forum and thank you for posting!
I understand that you would like to have your card issuer charge the conversion rates. Please be advised that when you send money using your Visa, MasterCard, or AMEX, the amount charged to your card will be charged in your local currency, if the local currency is supported by PayPal. When you use your card, PayPal may provide you with a choice of whether PayPal does the currency conversion or the card associations do the currency conversion for your transactions. When PayPal does your currency conversion, system will disclose the conversion rate to you at the time of the transaction.
If you choose not to use the Visa, MasterCard, or AMEX currency conversion process, you will have no recourse against Visa, MasterCard, and AMEX with respect to any matter related to the conversion. If you choose to use the card association's currency conversion procedures, PayPal is not able to disclose the conversion to you. Your card issuer will determine the foreign exchange rate to apply to the transaction, and you will not be informed of the foreign exchange rate or any additional foreign exchange fees applied until you are billed by your card issuer.
Good Luck,
Ayesha
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