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Use paypal credit card to buy things online, and buy them directly in dollars. What's the exchange rate when I return my credit card?
1) If your credit card can be paid in US dollars, you can choose to pay in US dollars, so no one can earn the difference.

2) If your credit card can only be paid in RMB, the bank will let you pay in RMB according to the exchange rate, and the difference in exchange rate is earned by the bank.

3)paypal receives US dollars, not RMB, so paypal can't earn the difference.

Like dollar payment, pound payment is operated by banks.