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If sending $100, the amount that will go to fees is $5.7 and the recipient will receive $94.3. That's 5.7% going to fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30

To receive $100, a payment of $106.03 should be sent. $6.03 will go to fees. That's 5.69% in fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30