If sending $3.21, the amount that will go to fees is $0.47 and the recipient will receive $2.74. That's 14.64% going to fees, effectively.
* Using Domestic and International fee rate of 5.4% + $.30
To receive $3.21, a payment of $3.71 should be sent. $0.5 will go to fees. That's 13.48% in fees, effectively.