Based on the fees being discussed, particularly the usage of the term "unloading" fee, it would appear to be some sort of "Virtual" Credit/Debit card service...
Cryptopay has very similar charges:
Third-party loading fee: If you load your card using some third-party services instead of Cryptopay, loading fee of 1.99% is applicable.
Card unloading fee: for card unloads we charge 1% plus $/€/£ 0.10.
Which lines up nicely with the "1.99% Paypayl + 1% unloading +$0.10" fee that is discussed... not sure about the conversion and/or mining fee... but it also looks like the "redacted" part at the the top might say "the card"
Not sure that this IS Cryptopay... but I'd say that it is definitely a virtual card service of some description...