The foreign exchange rate is based on Visa’s conversion at the time, and it is often not the spot rate you might see online in real-time.
In general, we recommend selecting the local currency when prompted by the POS, rather than USD. This will ensure that the exchange rate is determined based on Visa's rate, and not the rate the merchant established.
Here is the website for your reference if you'd like to check in real-time: https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html
Set the bank fee to 0%, as Atlas does not charge any fees for international purchases.