If sending $2.16, the amount that will go to fees is $0.42 and the recipient will receive $1.74. That's 19.44% going to fees, effectively.
* Using Domestic and International fee rate of 5.4% + $.30
To receive $2.16, a payment of $2.6 should be sent. $0.44 will go to fees. That's 16.92% in fees, effectively.