I'm one of hundreds who would remember DR from the late 1990s early 2000s Shareware Industry Conferences. Initially they were one of a dozen or so payment processors who would rock up at the conference offering generous hospitality to us delegates - virtually every meal was sponsored by one or other of them; the DR Saturday evening entertainment spectacular outdid everyone else. All the others would vow that they were going to stay independent so as to be able to give better service to us little guys, but one by one the DR seven-digit cheques talked. Now I can't even remember the names of all those who were swallowed up saved for SWREG who I used for many years before switching to BlueSnap, but I do remember the wonderful food.
How can you lose money doing this? You collect the payment, deduct your percentage (~7% in my case IIRC) and pass the net on at the end of the month. If the unremitted balances weren't held in a trust account, then they should have been.