PAD is offered to buyers who have a verified account. On occasion due to their internal security this option may not be offered, this may be due to existing pending PAD transactions you may have. I have an ebay account and don't know of any option to disable PAD, why would you, as a seller there is no risk as paypal pay the seller directly if the buyer uses PAD.Paypal are taking the risk as they are paying on your behalf and not taking payment from you for 14 days. I have used PAD and it works well unless their security kicks in and PAD is not offered which can cause issues for you if you wish to buy but don't have the funds until payday or just want 14 days free credit.
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