If sending $45, the amount that will go to fees is $2.06 and the recipient will receive $42.94. That's 4.58% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $45, a payment of $47.14 should be sent. $2.14 will go to fees. That's 4.54% in fees, effectively.