If sending $100, the amount that will go to fees is $3.48 and the recipient will receive $96.52. That's 3.48% going to fees, effectively.
* Using Domestic fee rate of 2.99% + $.49 (Credit and Debit Cards)
To receive $100, a payment of $103.59 should be sent. $3.59 will go to fees. That's 3.47% in fees, effectively.