If sending $500, the amount that will go to fees is $17.94 and the recipient will receive $482.06. That's 3.59% going to fees, effectively.
* Using Domestic fee rate of 3.49% + $.49 (Invoicing, PayPal Checkout, Venmo)
To receive $500, a payment of $518.59 should be sent. $18.59 will go to fees. That's 3.58% in fees, effectively.