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Well they have a good business model for making short term large amounts of money:
1: advertise themselves a a 3rd party processor to get webmasters to send them customers with money.
2: bill the customers on time, every time, sometimes twice.
3: string the merchants along with a string of excuses ? its in the mail, its going out in 3
days, my bank ate my money this week ect ect?.
4: throw the merchants a small bone every month or so with a bit of money promisi9ng more very soon.
5: Pocket as much as you can ( cause you know the bank is paying them on time ).
6: repeat the above as much as possible.
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