just made on an online payment a few minutes ago for a Groupon voucher with my Maybank2 mastercard via paypal, wasnt asked for my CC numbers or any other details. smooth hassle-free process.

perhaps this a security feature which is part of your credit card issuing bank's policies? would be beneficial for all forumers if u can share here which credit card u used when u encountered this incidence.

from my experience regularly using PayPal since 2006, its better to use the foreign currency exchange rates determined by the bank issuing your credit cards. PayPal's forex rates suck cos they are always higher.

MAKE IT SIMPLE - just use the exchange rates from the bank that issued your card and u wont regret. PayPal exchange rates suck, and its well-known by experienced PayPal users. Thats why I NEVER top up my PayPal funds, but just linked my CCs to it. Its already said enough so if noob users still meroyan about cut-throat exchange rates, its their fault for failing to learn.

eBay.com.my usually reflects an approx amount in RM when u buy items in USD. same thing with PayPal. As for the XE rates, those are NOT the actual rates - they are not accurate and its best u refer to what the banks issuing your cards are quoting. So dont have to get so worked up over the difference. Pokok ceritanya, let your issuing bank determine the exchange rates. Master n Visa CC add 0.5% for transaction charges, whereas for AMEX its 2.5%.