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Please be aware that your bank or credit card issuer may apply additional charges to your transaction based on their internal policies. These fees are charged directly by your financial institution and are outside of Paybis’s control.
We receive only the exact amount confirmed at checkout. If you see a discrepancy on your bank statement, it is likely due to one of the following bank-imposed fees:
1. Cash Advance Fee (Credit Cards)
Major card networks (Visa and MasterCard) often classify cryptocurrency purchases as "Cash Advance" transactions rather than standard purchases.
The Fee: Your bank may add an extra fee (typically up to 5%) for this classification.
Responsibility: This classification is determined entirely by your card issuer. Paybis cannot prevent or refund this bank fee.
2. Foreign Exchange (FX) Fee
If your bank account currency differs from the currency you are paying in (e.g., paying in EUR, USD, or GBP using a card denominated in a different local currency), your bank will perform a currency conversion.
The Fee: Your bank will apply their own exchange rate and may charge a conversion fee.
Responsibility: These rates are set solely by your card issuer.
3. Bank Transfer Fee
If you are paying via bank transfer, your bank may apply a standard outgoing payment fee.
The Fee: Varies by bank and transfer type (SEPA, SWIFT, etc.).
Recommendation: Please refer to the "Fees and Charges" section on your specific bank's website for their rates on outgoing transfers.
⚠️ Important Note
Paybis has no control over these third-party charges. We strongly recommend checking with your bank regarding their specific fee schedule for cryptocurrency transactions to understand the full cost of your payment.