If sending $156.25, the amount that will go to fees is $5.94 and the recipient will receive $150.31. That's 3.8% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $156.25, a payment of $162.41 should be sent. $6.16 will go to fees. That's 3.79% in fees, effectively.