I asked about this...
1. If the payee chooses to get his payment in USD then $20 will be their transaction fee.
2. If the payee chooses to get his payment in INR then the transaction fee will be $15 + 3% of the amount (Foreign Exchange fee).
Example:
You submit a payment of $1000 to this payee.
If option 1 is selected, the payee will get $980
If option 2 is selected, the payee will get the equivalent in INR of $955.45
Now we are all smarter !!