BlockPay receives its conversion rates from the Blocktrades.us Bridge. So, whatever they charge, is what BlockPay has to pass along to the customer. As Steem/SBD gets more liquidity, I'm pretty sure their rates will come down considerably.
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Pin code is displayed when pin code of Smart Coin Wallet is input.
It seems to be an error.
Thank you for the report. We will look into this as soon as possible and release an update.
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BitKRW Smart Coin transfer error in Smart Coin Wallet.
That was a known issue (https://bitsharestalk.org/index.php/topic,22576.msg302780.html#msg302780) and I think that was fixed in v1.5.11.
I get an error when I am paying usd tether in blockpay.