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If sending $150, the amount that will go to fees is $3.48 and the recipient will receive $146.52. That's 2.32% going to fees, effectively.

* Using Domestic fee rate of 1.99% + $.49 (Charity)

To receive $150, a payment of $153.55 should be sent. $3.55 will go to fees. That's 2.31% in fees, effectively.

* Using Domestic fee rate of 1.99% + $.49 (Charity)