The buyer always has the option (if he is approved to use) use PAD....The problem comes with the seller (E-Bay says the same thing as PP). The seller needs to call PP business specialist and request/ask if their PP account can be set up to accept PAD..... Here's the biggest miss-understanding about PAD from the seller. They think they will not be paid until the product is delivered...NOT TRUE...all the seller is doing is accepting the PAD option and will be paid just the same as a regular PP payment and subject to same protection as normal...all PAD is....a 14 day credit advance to the buyer and the funds will come out of his Banking acct 14 days after the purchase...in other words; PP advances the buyer the funds (up to $10,000.00) to purchase what ever; but...a big but too....you better have the funds in the bank to cover the payback to PP....AGAIN>>>THIS HAS NO AFFECT ON THE SELLER!!!!!! BUT..THE SELLER HAS TO CALL AN ASK PAY PAL TO FIX THEIR (SELLER) ACCOUNT TO ACCEPT PAD. That's the truth and the whole truth and nothing but the truth...LOL Seriously...the benefit of PAD is like a modification to the "Bill Me Later" option...but just like American Express...BETTER have the funds available at the end of the 14 day grace period. Again the seller is never at risk for/to lose anything.
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