How to pay with Crypto?

As a curious investor, I'm keen to learn more about how to utilize cryptocurrency for payments. Could you elaborate on the process of paying with crypto? Specifically, what steps do I need to take to ensure a smooth transaction? Are there any specific wallets or platforms that you recommend? Additionally, I'm interested in understanding the security measures involved and how I can ensure my funds remain safe during the payment process. Furthermore, how does the exchange rate work when paying with crypto, and how do I calculate the value of my payment in real-time? Your insights would be invaluable in helping me navigate the world of crypto payments.