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If sending $19.34, the amount that will go to fees is $1.34 and the recipient will receive $18. That's 6.93% going to fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30 ($0 to $3000)

To receive $19.34, a payment of $20.76 should be sent. $1.42 will go to fees. That's 6.84% in fees, effectively.

* Using Domestic and International fee rate of 5.4% + $.30 ($0 to $3000)