The even worse part about PayPal is that they have a whole system of nonsensical fees to fall back to when you inevitably figure out how to evade the obvious ones. For instance, sidestepping their dynamic currency conversion by temporarily changing which currency they bill on your card (which by the way is rate limited to only a few times per month) will result in another "non-foreign transaction but with recipient in foreign country" fee appearing, covering the inherent costs of converting German US dollars to American US dollars or whatever. They will at least hide the fee from you for business transactions, but the merchant still has to pay it.