How are you losing 4.4% via paypal? Whenever I have used it, over a decade now, it has been charging the fees/commissions to the merchants, NOT the buyer. However, after some transaction ceiling is reached, you have to verify your details (KYC) stuff (upload documents to verify identity). But Kenyan banks' exchange rates usually have a big spread between buying and selling rates. Watakunyonya hapo, even though paypal nowadays has the alternative to choose their exchange rate (charge card in kshs) or choose the bank's rate (charge card in transaction currency).

A prepaid card that I have been using (also for a decade or so), with no issues so far, is Payoneer (a Mastercard). You can have one denominated in USD, Euro, or GBP. If you have income being paid via it in these currencies, you can get approved for other services like mass payments and linking to a U.S. checking account. The checking account can allow you to deposit funds from Paypal to the Card. But the card has maintenance charges that depend on activity and commissions charged on transactions. Their exchange rates are based on mastercard-published rates. However, a lot of regulation on such cards coming up in the EU, and lately, as per recent terms updates, I am not sure whether new accounts have the capability to get linked to the checking account.

I got invoiced by some Chinese company after shopping on Ali Baba and PayPal clearly alerted me of a 4.44% service charge. Unless you are on some premium account that doesn't levy this

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