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To use BridgePay, you'll need to pay a $5 BridgePay activation fee, plus the minimum payment due for each line on your account. Note: On April 23, 2017, the BridgePay activation fee will increase from $5 to $10 for accounts with more than one line. It will remain $5 for single-line accounts. $25.
However, HCF will rebate up to their no-gaps rate, if the charge for any item is less than the no gaps rate, even if you are not using a no-gap system. In this example, using a MyOwn fee of $1400, the fee for 17610 is 86.45 (if the total is spread evenly over the items). HCF have probably calculated it this way too, and since 86.45 is less than the HCF no-gaps fee of 95.00, they have paid 86.45 for this item. The difference between 86.45 and the schedule fee for 17610 (43.00) is 43.45.