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The majority of cover artists who post at Facebook, Kindleboards, etc., charge some sort of flat fee. The fee varies wildly. I've seen some charging in the $20-$50 range, others a few hundred dollars or more. Don't go with % of anything; you'll be paying forever.
I'd start with a free copy. Is she a professional artist? If so, talk to her about a standard rate for a project, and see if you can afford that (all at once or in installments). If she isn't a pro, just ask her what would be fair.
I'd also suggest you be honest with her about your sales. You can't pay anyone else if you're not selling. If the book is selling, say so and offer to pay for her work.
I hope that helps.
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