Terms of delivery should be included in the contract. For personal clients I tell them that I prefer two separate physical media and a one-time digital transfer. I make it clear that the cost for physical media and shipping is part of the payment (they’ll need to pay more if they want more), and digital transfer is just a bonus so they can get them faster.

For digital transfer I ask them to provide me a link where I can upload the images to. This way, once the pictures are uploaded, it’s their problem, not mine.