If sending $7,000, the amount that will go to fees is $238.2 and the recipient will receive $6,761.8. That's 3.4% going to fees, effectively.
* Using custom fee rate of 3.4% + $0.2
To receive $7,000, a payment of $7,246.58 should be sent. $246.58 will go to fees. That's 3.4% in fees, effectively.