The original claim I am responding to is "International remittances in seconds for less than a penny". That, in any reasonable reading, would mean that the sum

The original claim I am responding to is "International remittances in seconds for less than a penny". That, in any reasonable reading, would mean that the sum of all feels required to do "international remittance" would be less than a penny. This is clearly not true. The claim that one small part of the fees is actually less than a penny is not really relevant to this.