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If sending $1.34, the amount that will go to fees is $0.54 and the recipient will receive $0.8. That's 40.3% going to fees, effectively.

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

To receive $1.34, a payment of $1.9 should be sent. $0.56 will go to fees. That's 29.47% in fees, effectively.

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