Why is there an added fee to pay with credit card?

The fees are administered through the OptionPay program for the use of their service, and not through the Town of Hinton.

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1. What is OptionPay
2. Is there an added fee to using OptionPay to pay my Town bills?
3. Why is there an added fee to pay with credit card?
4. Is my credit card/information secure with this program?