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"Foreign Transaction Fees" Topic

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Rallynow Supporting Member of TMP05 Mar 2018 2:45 p.m. PST

So I had 12 figures painted by a painter in the UK. Figures was painted in reasonable amount of time and they look great. I paid by PayPal using my personal credit card.

It has been about a month and all of a sudden I get a bill from PayPal for $82.31 USD. That is about how much it cost to get the figures painted.

I called PayPal and it turns out it is something they call a foreign transaction fee? I was told there was nothing I can do. When I ask them what the fee is for, the guy couldn't give me a straight answer.

I order from the UK all the time. I buy figures, flags, buildings etc. but I have never been charged this fee. Can someone explain what this.

Dennis030205 Mar 2018 4:00 p.m. PST

that fee may be from your credit card company. you may want to give them a call.

Bunkermeister Supporting Member of TMP05 Mar 2018 4:06 p.m. PST

In doing some web searching I can't see anything about an individual paying a Foreign Transaction fee. And when I do see the fee it's only about 4%, not close to what you indicate you are paying. They also say it may be charged by your credit card. I would call the credit card company and ask them about it. Then I would call PayPal back and go up the chain of command until you get a manager who can explain it to you. That just does not pass the smell test.

Mike Bunkermeister Creek

zoneofcontrol Inactive Member05 Mar 2018 4:14 p.m. PST

PayPal has a foreign conversion fee of 4.5% in addition to the actual amount of the money changing hands. You should have been notified of this amount at the time the transaction was run.

That does not sound like the near 100% fee you are being billed for. I can offer some suggestions:

#1 – perhaps your credit card was not actually charged at the time of the transaction??? Have you verified that the original charge went through on your credit card? Have you received a statement or viewed your account online?

#2- check out PayPal's user agreement for more possible info.

#3 – if the original transaction did go onto your credit card and you cannot find anything in PayPal's user agreement or cannot get a straight answer, check into filing a dispute. Notify both PayPal and your credit card company.

#4 – is it possible that the UK painter double billed you? The amounts are similar enough that the only difference would be because of the exchange rates involved at the time the transactions (if there were two) were put through.

Good luck…

MajorB06 Mar 2018 11:42 a.m. PST

Just another good reason for not using PayPal.

GildasFacit Sponsoring Member of TMP06 Mar 2018 1:41 p.m. PST

And what method would you suggest Major B ?

International payments always incur a fee to change currency and PayPal is by far the cheapest and most convenient from my experience but I'm always open to advice if you have found a better way.

This is almost certainly an error of some sort.

M C MonkeyDew07 Mar 2018 6:01 a.m. PST

Paypal is great and very useful.

However Barclay Card for one offer cards with no foreign transaction fees charged.

Mind you whatever went on in this case is almost certainly in error.


GildasFacit Sponsoring Member of TMP07 Mar 2018 7:43 a.m. PST

Barclaycard charge all the fee to the business – and it isn't small. At least PayPal charges are up-front.

Rallynow Supporting Member of TMP09 Mar 2018 12:49 p.m. PST

The weird thing is I made the purchase with my personal card and then the transaction fee was charged to my business card. PayPal couldn't or wouldn't tell me why.

ced110609 Mar 2018 2:25 p.m. PST

Could be because your personal cc card said, "No". :/

Also, fwiw, not all cc's charge international transaction fees. link

So what did your cc say about all this? Good luck!

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