What is the point you want to raise out?It's only the travel tips of travellers in the forum. It is not official. To my understanding, 'Pay later' needs to proceed the currency exchange twice. It may lead to higher charge as it involves transaction of 2 different currencies (Let's say, US$ & JPY$). In addition,the rate of currency exchange set by Agoda is also higher than the normal one. Thus there is no doubt why 'pay later' charges more.