The CHARGE HASN'T BEEN MADE BY PURETIME . Firstly you have been charged an international transfer fee of $21.11 by your card supplier . The further $64.80 was charged by the card processor using DDC ' Dynamic Currency Conversion ' . The card processor has paid PT $463 as you agreed ! However they convert your payment into local currency and apply a poorer exchange rate than the FX rate meaning you pay more to complete the transaction . The extra $64.80 the card processor keeps as a fee .
This can happen when paying for legitimate goods let alone illegal counterfeit goods from China . There is lots of information on why using a CC isn't a good idea when buying a replica watch on the forum . I think there is a forum sticky about it somewhere. There are threads like this from new members at least once a month , and PT usually has to field questions about MasterCard payments . The card processor is I believe is aware of PT's business so it is classed as high risk( counterfeit goods / charge backs / seized watches etc etc ) .I think he has put something about it on his website now ( I may be wrong)
The card processor wants to eat as well chap .
What would I do ? I would suck it up and put it down to experience, and use a different payment method next time . That is not being mean , this happened to me on my first ever rep purchase. Though I had the nouse to work out what had happened , rather than post a thread about being overcharged.
I began using a TD who accepted WU payments which suits me ( though still not the cheapest fee wise ) . Again there is a transaction fee , and they offer an inferior exchange rate to FX ( which means they collect a extra fee ) , but at least I know the cost up front . I know what I am paying the TD and what it is costing me to send it ( fee + exchange rate ) It is also much cheaper than using CC . Luckily I now have trust with my TD so he allows me to use PayPal ( which many dealers won't) , which is easier and again cheaper for me .
ALL payment methods will have a cost , hidden ( exchange rate etc ) or transaction fee . You just have to pick your poison.