I had a strange experience last week on eBay. I bought an item that was AU$50 using my US-issued no FTF VISA card. I checked out using their "credit card" option, not PayPal; this means the transaction is still processed through PayPal, without logging into a PayPal account. Through the entire transaction the price was listed as AU$50.

Then when the charge posted to my bank, it appeared as US$36.80. Using the VISA currency exchange calculator, I should have gotten US$36.65 on that date; the XE.com conversion was US$36.16. I called my bank about the conversion; they said this charge was submitted in US$. Previously, all foreign currency charges have been consistent with the VISA calculator.

Did eBay/PayPal just DCC me for 0.4%? I'm not going to dispute this transaction over US$0.15 and risk my eBay account.