No, they're collecting money specifically on behalf of a 3rd party and then giving it directly to that 3rd party. They are custodians of that money only, it nev

No, they're collecting money specifically on behalf of a 3rd party and then giving it directly to that 3rd party. They are custodians of that money only, it never even hits their bank account (goes into a dedicated trust account before distribution), and they cannot legally keep it. THAT is an actual passthrough.