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Be careful if you pay with PayPal in foreign currency, they have super-bad conversion rates that they try to trick you into accepting. You can turn this off if you can see through their dark patterns.

But as a rule of thumb, PayPal is a scammy company that I now try to avoid where I can.

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I have been burned couple of times by them. I thought it's a genuine and useful feature.

First, they offered a poor conversion rate.

Second, they said they will charge in INR and hence no further markup by banks which was an outright lie as they charged in INR from PayPal Singapore which applied foreign markup anyway by the bank. So I paid double markup.

It's basically a scam.

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