I have booked a trip with Agoda using the "Pay Later" function on 4th Jul 2017. At that time, I was given two options, either pay now or pay later on 15th Jul 2017 for the same price of TWD eqv. of JPY38,780, which is TWD10,448 as of 4th Jul 2017. I chose pay later, knowing I have to bear the FX fluctuations of JPYTWD. On 15th Jul 2017, Agoda charged me TWD10,912, while FX rate barely moved. Called Agoda today, they are willing to refund the difference of TWD464.80 but declined to explain why there is such difference, citing the FX rate was provided by third party. Be careful everyone. If you want to pay later, you better pay in hotel's currency so they cant rip you off.