I don’t think I’ve ever seen POLi presented as the only option, but it’s commonly the only fee-free option (BPay isn’t always offered). For myself, as soon as I

I don’t think I’ve ever seen POLi presented as the only option, but it’s commonly the only fee-free option (BPay isn’t always offered). For myself, as soon as I learned what POLi was (because it asked for my bank username and password) I decided I hate it enough to pay a few extra dollars of credit card fees.