Surely DEFT is charging a payment surcharge because it is providing you with a service, and it charges you an amount for processing payment for said service.payment surcharge means:
(a) an amount charged, in addition to the price of goods or services, for processing payment for the goods or services; or
(b) an amount (however described) charged for using one payment method rather than another.
55B Payment surcharges must not be excessive
(1) A corporation must not, in trade or commerce, charge a payment surcharge that is excessive.
(2) A payment surcharge is excessive if:
(a) the surcharge is for a kind of payment covered by:
(i) a Reserve Bank standard; or
(ii) regulations made for the purposes of this subparagraph; and
(b) the amount of the surcharge exceeds the permitted surcharge referred to in the Reserve Bank standard or the regulations.
That’s the one. I find the bill payment metaphor a bit laboured but many customers may use it to pay recurring bills. I I tend to use it for ad hoc bills as the value of my bills differs over time so I don’t use the scheduling features. Does the job efficiently otherwise. Hope it can keep going.