I am trying to send a small amount of money to someone. They live in Canada, and I am in US. If I send it as a gifted payment, I am charged $3, which is a high fee for the low amount I am sending. If I send it as goods and services, I believe the person receiving the money will be charged a 0.30 CAD fee + 4.4%? Can anyone help clarify if my understanding is correct?
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