There are some scenarios where members use the convenience of club balances to transact their own business within the club. For example a restringing service or coaching services. Such services can be set up (given appropriate authorisation from the club) such that members can pay for these services quickly and conveniently via their club account.
Ultimately, the service provider (e.g. a coach) will accumulate an excess balance in their personal or group club accounts and will wish to extract funds back to their personal bank account.
Any user can set up a personal Stripe account (in the Payments tab of My account) to do just that. Once their Stripe account has been authorised they will be able to transfer funds out of their club accounts and into their bank account using their Stripe account as a conduit.
In this scenario, money has come into the system (via members crediting their club account with a credit/debit card) and come back out again into a members (who may be the coach) account. It can be reasonably argued that the beneficiary of this is the recipient member having benefited from the convenience of others being able to pay them via their club account. The club has not really earned anything from the process and certainly has not sold anything - money came in and went out again, bypassing the club's account all together. This being the case the variable fees that a club pays on turnover through the system on behalf of the club do not apply. The club will not end up paying either Stripe fees or ManageMyMatch fees on this money flow. The club ultimately only pays fees on money that is spent with the club.
That is why the member extracting the funds is charged for the privilege at a rate of 3.25%. If they wish to avoid this fee then they must spend the money with the club in which case the club will end up paying a similar fee in the normal way (consisting of both the Stripe fees and ManageMyMatch fees)