If sending $11, the amount that will go to fees is $0.87 and the recipient will receive $10.13. That's 7.91% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $11, a payment of $11.91 should be sent. $0.91 will go to fees. That's 7.64% in fees, effectively.