It might be that some people are paying with credit/debit cards that do not have enough funds in the account; so the extra charge is for the company to check that there is enough money and also to put a hold on those funds. When I was selling newspaper subscriptions, this was a big issue. People would pay with their card, but when the card went through, then the funds weren't there. The newspaper subscription would get cancelled; but in the meantime, the people had received free newspaper delivery, plus whatever gift we had given them for taking the subscription. We ended up have to run a check on each account to make sure that the money was there before we could take the credit/debit card. In theory, it should make paying for utilities or license charge much easier both for the consumer and the company; but when there are issues with insufficient funds, then it makes it harder for everyone.