Jack and Company are charged for the following: 1) Bandwidth. 2) Hard drive Storage. 3) A flat fee for each transaction. 4) A percentage of each transaction. 5) Each and every chargeback - not just the amount of the transaction, but an additional $10 - $25 above the transaction. I've had to deal with credit card processing places before. They suck. I wish they merely nickel and dimed you to death. In traditional mediums, the artist has to pay for the paint, canvas, and frame for each piece. For digital media, once the artist pays for the software, they're done. How many people here have bought software just for making money on models? Very few. Most people here are hobbyists that already have the software or use the software professionally for other projects. Jack and Company are the ones taking all the financial risks while the artists are free to go and have their stuff sold at multiple sites. Once this really gets going, they may be able to raise the commissions.