Hi Jithin_George, 

Thank you for contacting the PayPal Community Forum and welcome as a new member!

When you make a payment using your debit or credit card, you can choose between your card issuer's conversion rate and PayPal’s conversion rate.

If you choose to use PayPal’s conversion rate, you can see the rate right away on the payment page.

If you choose to use your card issuer's rate, the conversion rate will be determined by your card issuer and we won’t be able to display the rate to you at the time of payment. To find out about the exact rate, you’ll need to check your card statement later or contact your card issuer directly.

To select your card issuer's rate when making a payment, just select the currency you are converting your funds to when making your payment.

Note: If you don’t see the option to choose your preferred conversion rate, it means your card can only use either your card’s conversion rate or PayPal's conversion rate.

- Siobhan