Earlier quoted context omitted.
This should be straight up illegal and the companies sued to hell for. If I opened a site claiming to be a bank and accepting money on behalf of that bank, and keeping 20% I'd be behind bars for fraud in no time.
It's not fraud though, is it? They advertise that you'll get food from Restaurant X and that's indeed what you get. It's not fraud to resell product, you don't need permission from the original seller to do it (in fact I think that's a specifically protected right), and it's not fraud or any kind of trademark violation to describe a product as being from Restaurant X if that is a fact.
If I created a chase-bank.com website, and allowed users to interact with their actual Chase account through it, but I took a percentage of all transactions, it would be fine?