[Spivak]

They aren't charging the fee for payment processing, they're collecting the fee via payment processing. I don't understand why people keep making this mistake. Hell even Epic made it and lost horribly when they made it. The fee is a sales commission, you pay it because you want access to the customer base. They are allowed to deliver you literally nothing at all in additional services and still charge you a fee.

The other stuff they provide exists to sweeten the deal.