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If sending $1,185, the amount that will go to fees is $41.85 and the recipient will receive $1,143.15. That's 3.53% going to fees, effectively.

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

To receive $1,185, a payment of $1,228.36 should be sent. $43.36 will go to fees. That's 3.53% in fees, effectively.

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