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when collecting payments for your organization there are various processes that occur there is the authorization of the payment from the donor the communication between a donors payment method and the organization collecting the payment and then theres the transfer of funds from that donors credit card or bank account to the organizations account not to mention other processes including paying card association fees of 1.5 to 2.5 percent to American Express Visa or Mastercard handling any void or refriend requests managing recurring donations or using s to securely vault payment information so the donor doesnt have to re-enter it every time they give and thats just the start truth be told the payment processing industry is very complicated and unfortunately it leads companies to use creative marketing techniques in order to make the pricing look as low as possible even though it may not be when you total everything up i know those are a lot of details