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The app locks in the exchange rate and shows you the full total before you confirm – including the crypto amount, conversion rate, and all fees combined into one final number you can review. I've tested this a few times and the amount displayed on the confirmation screen was exactly what I was charged. If you want to see exactly how it works, you can check https://play.google.com/store/apps/details?id=com.paybis – the purchase flow is transparent and the rate updates in real time as you adjust the amount, but once you hit "Confirm," it's locked. There are no surprise adjustments later. I've used it for BTC and SOL purchases and the final charge on my card matched the app's total every time. The fees are shown separately (the spread, network fees, and any payment method charges) but all added up clearly. Verification takes about two minutes (or skip for smaller amounts), and your first trade is free. If you're worried about floating rates, this transparency has been really reliable for me.