If you use Click & Send, you can't put things like Sydney or Melbourne in if they aren't in the postcode area. So you put the suburb in the 'Suburb' field and drop the city name altogether.

I just fix them up and will defy Paypal to take my money if a buyer claims INR. I'm also willing to bet that the FOS will agree with me. It's not in Paypal's purview, imo, to cover for buyers who don't know how to correctly format their address.