My mum was visiting my sister in Melbourne. My sister had enough points for speeding so kindly asked if she could tell my mum was driving her car. All ok. Mum went back home, and after about 3-4 weeks she got a speeding fine posted to her house in Poland all the way from Australia 🙂 That’s efficency 😉 Probably cost them more to find out my mums address than the fine itself. My sister paid it in the end but avoided the points.
The thing with the hire company charging Your credit card might be right, as probably You are not the first person that got a speeding fine driving a hire car. I would probably pay it as well for peace of mind, after all You did brake the law by speeding… Maybe wait for a better exchange rate and then pay 😉