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If sending $9.83, the amount that will go to fees is $0.83 and the recipient will receive $9. That's 8.44% going to fees, effectively.

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

To receive $9.83, a payment of $10.71 should be sent. $0.88 will go to fees. That's 8.22% in fees, effectively.

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