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If sending $35.2, the amount that will go to fees is $2.2 and the recipient will receive $33. That's 6.25% going to fees, effectively.

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

To receive $35.2, a payment of $37.53 should be sent. $2.33 will go to fees. That's 6.21% in fees, effectively.

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