Thanks for making the distinction between when you are charged and why then charge is for.
Businesses rarely map charges directly into what is being paid for, because that doesn’t work in practice. Charges are made at a convenient point and then used to pay for the service as a whole. This is common practice across all kinds of business.
This matters because people are claiming they it is just for payment processing and then arguing that 30% is too much, which is clearly a dishonest position.
