figuring out fees

Hello All,


I need to send payment for my high school reunion to a gmail address.  When sending payment do I need to figure in the transaction fee, or will I be billed for it automatically?  I need to send in $100.00, so should I make the payment $104.00 or if I send $100.00 I will be charged $104.00?  I”m using 4% as a general fixed rate, the Paypal page says between 3.2-3.9%.  I will be charging this to my credit card if that matters or not.


Thank you in advance for any help you can provide!

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