If sending $5, the amount that will go to fees is $0.66 and the recipient will receive $4.34. That's 13.2% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $5, a payment of $5.69 should be sent. $0.69 will go to fees. That's 12.13% in fees, effectively.