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If sending $950, the amount that will go to fees is $33.65 and the recipient will receive $916.35. That's 3.54% going to fees, effectively.

* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)

To receive $950, a payment of $984.86 should be sent. $34.86 will go to fees. That's 3.54% in fees, effectively.

* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)