If sending $1, the amount that will go to fees is $0.52 and the recipient will receive $0.48. That's 52% going to fees, effectively.

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

To receive $1, a payment of $1.54 should be sent. $0.54 will go to fees. That's 35.06% in fees, effectively.

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