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If sending $1.34, the amount that will go to fees is $0.34 and the recipient will receive $1. That's 25.37% going to fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)

To receive $1.34, a payment of $1.69 should be sent. $0.35 will go to fees. That's 20.71% in fees, effectively.

* Using Domestic fee rate of 2.9% + $.30 (via online transaction)