From the regulations 'Where your payment is funded by a Debit or Credit Card and involves a currency conversion, by entering into this agreement you consent to and authorise PayPal to convert the currency in place of your Credit or Debit card issuer/' I assume that this applies only to the current transaction, and has no other effects. 'for purchases made outside of eBay: the Send Money tab on the PayPal website by clicking the “Purchase” tab, or the Payment Recipient's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient); and .....' It seems a buyer has a choice 'Purchase' or 'Payment...' tabs. I don't understand the 'including, without limitation...' 'b. If you are a User registered in the UK or Ireland:' 'Between 3.0% and 4.0% above the wholesale exchange rate depending on the currency into which the relevant amount is converted' Can you explain the above I don't understand the table below 'Fixed Fee' 'The Fixed Fee for Commercial Transactions is based on the currency received as follows:'
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