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If sending $10, the amount that will go to fees is $0.84 and the recipient will receive $9.16. That's 8.4% going to fees, effectively.

* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)

To receive $10, a payment of $10.87 should be sent. $0.87 will go to fees. That's 8% in fees, effectively.

* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)