this seems to be a policy which started about6months ago
prior to that date i was able to change currency on bottom of page and pay with a card in same currency .

now it seems the 3% fee is almost always charged. so their total fee is now 18% (up from 12% awhile ago).important to takei nto account as in low season canusually find very nice four star hotels and/or apartments on other sites
MUCH CHEAPER than airbb total cost.