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If sending $1.53, the amount that will go to fees is $0.38 and the recipient will receive $1.15. That's 24.84% going to fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30

To receive $1.53, a payment of $1.93 should be sent. $0.4 will go to fees. That's 20.73% in fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30