This is a kind of commentary on the transfer. Any information or its absence may be indicated.
No, PayCryptos does not work with fiat currencies.
It is possible and it depends, mostly, on the merchant and the system it uses. PayCryptos is merely a software, a tool to carry out a transaction.
Withdrawal depends on many factors, such as verification requirements, compliance, amount, blockchain type, etc.
Withdrawal can take from several hours up to several days, and in most cases depends on the site where you make the payment.
The fee is paid by the sender, i.e. merchant.
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