Typically this is because the organization started out processing such bills only through mail because they had to. When they wanted to allow online processing of payments for whatever reason they didn’t want to take on the cost of doing so themselves; usually this is because they are connected to the government where prices are fixed by law. Your utility company for example may not be allowed to raise their rates overall to offset the cost of outsourcing online payment processing, so instead the processing is paid for by a tacked on extra fee.
Even though online processing is overall easier and less costly, the bureaucracy in certain cases makes billing it that way easier.
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