If sending $100, the amount that will go to fees is $3.98 and the recipient will receive $96.02. That's 3.98% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $100, a payment of $104.12 should be sent. $4.12 will go to fees. That's 3.96% in fees, effectively.