Charges - Paypal currency converter or visa ?

I am a new member and I have never posted a thread before- it's taken me ages to work it out!!
I want to make a purchase from USA. I know all about the handling charges and customs and the probability of extra charges. However I didn't realise that Paypal and Visa will also make a charge for converting the currency. So basically which is cheapist! ? So that I know who to use.
many thanks


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