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If sending $50, the amount that will go to fees is $1.40 and the recipient will receive $48.60. That's 2.8% going to fees, effectively.

* Using Domestic fee rate of 2.2% + $.30 (Nonprofit)

To receive $50, a payment of $51.43 should be sent. $1.43 will go to fees. That's 2.78% in fees, effectively.

* Using Domestic fee rate of 2.2% + $.30 (Nonprofit)