If sending $400,000,000, the amount that will go to fees is $13,960,000.49 and the recipient will receive $386,039,999.51. That's 3.49% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $400,000,000, a payment of $414,464,822.81 should be sent. $14,464,822.81 will go to fees. That's 3.49% in fees, effectively.