Why a club sees an extra 3.5% when they pay by card, and how they avoid it.
Paying by credit card adds a 3.5% surcharge to the amount. Paying by bank account (ACH) does not.
The surcharge is the card cost, and it applies whichever way Defer Fees is set. A club that wants to avoid it should pay by bank account.
Your disbursement is not affected by which method the club chose.