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If sending $0, the amount that will go to fees is $0 and the recipient will receive $0. That's 0% going to fees, effectively.

* Using Domestic - Website, invoice and email payments fee rate of 3.9% + $.50 ($0 to $5000)

To receive $0, a payment of $0 should be sent. $n/a will go to fees. That's 0% in fees, effectively.

* Using Domestic - Website, invoice and email payments fee rate of 3.9% + $.50 ($0 to $5000)