If you do have a Paypal account you also have the option to pay directly from your bank account (echeck) through Paypal. PayPal is designed from the ground up to be one of the safest ways to pay online. PayPal never shares your financial information with anyone.
Welcome international shoppers. PayPal receives a quoted wholesale rate from its bank (twice a day) and adds a 2.5% spread above this rate to determine the exchange rate applied to transactions that involve a currency conversion. In some instances, PayPal provides you with a choice of whether PayPal does the currency conversion or the credit card associations do the currency conversion for your transactions.
When PayPal does your currency conversion, they will disclose the conversion rate to you at the time of the transaction. If you choose to use the credit card association's currency conversions, PayPal is not able to disclose the conversion rate to you. Your card issuer will determine the conversion rate that will apply to the transaction.