The Bill Payer service may initially send a payment out by draft check if it is a payee that does not match their directory. They may update the payment method after contacting the payee to see if there is an electronic option available. The payment method is not known since it is on a per relationship basis with each vendor and can change based on transaction limitations set by that vendor and it is determined at the time the payment request is received. If the payment method changes, it will still be sent to assure timely arrival. If a payment is sent electronically once, there is no guarantee future payments will continue to be sent electronically.