Old Feb 8, 15, 6:35 pm
Doctor of Credit
Join Date: Nov 2013
Location: United States
Posts: 526
Visa uses rates based on the previous day and settlement date. Look at the mid market rates for the previous date and it should be closer to the rate listed.

I did some testing recently and it was about 50/50 which rate was better. MasterCard used to add a 1% hidden charge, but this was removed in 2013/2014 I believe.
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