I am going to tell you this: there IS a setting within the Paypal account viewable to Paypal support employees *who know it exists and where to look for it* that will become 'shut off' due to a system glitch, that enables and disables PAD. I have personally had it reset for me when it occurred in the past, last time I think it was 2017 or 2018. I don't know what it is called but I can promise it is there - and the yarn being spun by PP CSRs about merchants 'accepting it' is twaddle. Pay After Delivery began with the ORIGINAL MERCHANT ebay, which OWNED Paypal, and so if Paypal offered you PAD then the 'merchant' accepted it (ebay). Paypal payments are entirely and completely between us (buyer) and Paypal and the merchant sees and knows NOTHING about your form of payment, which is the complete and entire purpose of Paypal - to keep your financial information secure and NEVER transmitted to a merchant. Tgiz may be basic knowledge to some but not to others - ALL THE MERCHANT SEES VIA PAYPAL IS MONEY IN THEIR ACCOUNT, not who or where it came from through Paypal. So when Paypal offers PAD to a customer (you) the merchant does not know that is how you are paying, and as some have mentioned, Paypal is merely offering a two or three week interest-free loan to us (3 wks in Canada for me). I think my latest PAD option got 'shut off' when I removed credit cards from my account and went to a prepaid CC and bank account. I personally believe Paypal doesn't like the risk of not having an actual CC as a backup source in case my bank account had NSF. However today I added a majorCC again, and am hoping that will trigger PAD to work again (yes, PAD shows as ACTIVE in my account, and my bank chequing account remains my preferred form of payment, unchanged with Paypal since I joined ebay in 2001). Another thought occurs too - I unlinked my ebay account from Paypal. Not sure if that relates at all, but may relink. If not, I'll call Paypal support and hope for a CSR that isn't younger than my Paypal account!!
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