Landlord, if you use a visa card to pay US dollars abroad through paypal, there will be no handling fee. Generally speaking, the handling fee for PayPal payment only occurs when currency exchange is needed. For example, if you pay euros and only have a US dollar account on your credit card, there will be a 2.5% currency conversion fee.

Generally, China Merchants Bank's visa card consumption is to directly pay US dollars (there is no handling fee in this process), and then you can use RMB to purchase foreign exchange for repayment (because the purchase of foreign exchange is based on the spot exchange selling price, the exchange rate may be slightly higher than the average exchange rate).

PayPal's handling fee is generally paid by the payee. Every time the seller receives a sum of money, PayPal will automatically deduct the corresponding handling fee. The handling fee is defined according to the countries where the payee and payer are located, which is generally 3.9%+.3USD.