grasshopper I believe it's gross margin increasing to 63%I am a...

grasshopper I believe it's gross margin increasing to 63%

I am a little curious however as to why the margin is so 'low'.....once the church implements the online giving, what is costing PPH so much to collect the funds? I'm just guessing, but are they paying someone like paypal/Visa/MC a percentage of the gross and is this coming out of their revenues (as opposed to passing on the net amount to the church)