(1) Payments shall be made in the currency agreed between the parties.
(2) If before the initiation of a payment transaction a payment service provider or payee offers a payer the service of currency conversion, and the conversion is to be made by the payee or at the point of sale, the party offering the currency conversion service shall disclose to the payer all charges and the exchange rate to be used for converting the payment. If the payer accepts the offer, the payer shall be taken to agree to the currency conversion service on that basis.