The Bill Pay tool provided through Fiserv uses as 'risk' based model - meaning that the payments are sent based on the delivery date and Fiserv collects the funds from the member when the payment is made, therefore holding the 'risk' for a certain number of days.

Payments can be made through an electronic transaction (ACH), a member draft (Check) or a laser draft (Fiserv corporate check) depending on the risk level of the merchant or even the member (due to number of NSF's), a delivery method is determined.