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What exchange rate does PayPal use

PayPal uses its own exchange rate, which includes a currency conversion markup of 3% to 4% above the mid-market rate. This means you receive less than the actual interbank rate when converting foreign currency to Indian rupees. The rate is set by PayPal and updated periodically, so it may differ from what you see on Google or other rate trackers. Additionally, PayPal charges transaction fees on top of this exchange rate margin, making it one of the more expensive options for receiving international payments.

If you're looking for more transparent pricing, platforms like PayPal overview and Skydo offer better exchange rates closer to the mid-market rate with lower, clearer fees. Skydo, an RBI-authorised platform built for Indian exporters and freelancers, provides competitive forex rates and faster settlement times, helping you keep more of what you earn from international clients.

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