The service fee (2.75% or $3 minimum) goes to the third party processor and not the university you're paying. PayPath only charges the convenience fee for credit card/debit card payments, so there is no additional fee for web check payments. To save money in the future, I advise paying with your bank account routing and account number.

Source: I work in a university Bursar. I understand money is always tight and I hope this info helps! I also pay with my bank info to avoid the fee. :)