Paying fees - Debit vs Card vs PayPal

In the Order Billing page, it says I can pay my BO bill using Direct Debit, Credit Card, or PayPal

The PayPal rate says "The exchange rate used by PayPal is the mid-market exchange rate plus 3-4%"
The Credit Card rate says "The exchange rate used is the mid-market exchange rate plus 2%"
However the only Direct Debit note is "This is the cheapest and easiest option"

What exactly is the exchange rate used on Direct Debit payments?

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