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How is the payment processing fee calculated?

We received our latest bill today, and it included a payment processing fee of $1.40. The previous bill was paid with a credit card, for an amount of just under $280, which, given the tiny print of "A 0.45% fee )GST incl) may apply if we incur a fee due to your payment method" should have been a payment processing fee of $1.25. Why is it $1.40?
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