; and (II) make every effort, when contracting with third-party vendors under clause (i), to find the lowest cost third-party vendor. (ii) Payment of fees If a third-party vendor with which the Commission contracts requires a fee in connection with the processing of credit payments or electronic funds transfers, the person who is making such payment or transfer shall pay such fee, not the Commission. (C) Completion of payment If a person elects to make a payment to the Commission by a method authorized under subparagraph (A), the payment shall not be deemed to be made until the Commission receives the funds. (2) Liability for nonpayment If a payment by credit card, debit card, or charge card, so received is not duly paid, or is paid and subsequently charged back to the Commission, the person by whom such method of payment has been tendered shall remain liable for the payment, to the same extent as if such method of payment had not been tendered. (3) Electronic funds transfer defined In this section, the term electronic funds transfer — (A) means a transfer of funds, other than a transaction by check, draft, or similar paper instrument, that is initiated through an electronic terminal, telephone, or computer or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an account