Marking up processing costs and skimming on ACH gifts. What it boils down to is companies making outrageous profits from your tithes and offerings (Typically 5 to 10 times more than the profits we see for similarly sized businesses in the secular world!).
As a ministry and nonprofit, we only pass on the costs associated with donor management. We believe churches should be able to accept gifts without being taken advantage of by outrageously profitable companies.