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If sending $14.90, the amount that will go to fees is $1.01 and the recipient will receive $13.89. That's 6.78% going to fees, effectively.

* Using custom fee rate of 4.4% + $0.35

To receive $14.90, a payment of $15.95 should be sent. $1.05 will go to fees. That's 6.58% in fees, effectively.

* Using custom fee rate of 4.4% + $0.35