When you pay bills with a non-stablecoin token on Spritz, we handle the swap on your behalf and send the fiat currency for the bill payment to your bank. Spritz will take the amount necessary to make the swap from your wallet, make the swap, and return any unused funds to your wallet. The reason that funds may be returned is due to price changes in the swap price that may occur.
You will pay gas and exchange fees on the transaction. Gas fees are typically pretty low because we use the Polygon network and the transaction fees will vary.