Sorry for the long story, I thought this way more than just a question and answer forum, I thought it was more, not to worry, no more long or short stories. Like most responses, those that respond read what they want, analysis the way they want and answer from that. Example I said nothing about NSF's or $5 in my account but you did. You must have pulled that out of your hat. It would be nice if Paypal just said PAD no longer available until further notice. My life doesn't revolve around this option You are a scarcastic indiviual. @DPCreations wrote: @Crohling1 There are various explanations one can give as to why PAD is not available or why it is no longer available. They are only explanations based on various comments by previous users of PAD and then speculation as to how PAD may increase some risk for PayPal. An analysis of which party holds the funds and when funds are released to seller could give some insight about the risk. So analyze what might happen and come up with your own conclusions. PayPal will not disclose and reasons for PAD option; that would part of the PayPal security and risk model. None of explanations really matter on a practical level, however. If PAD not avaialble, then you can't use it. When PAD is offered then you can use it. You cannot predict when it will be offered, nor can anyone else. You had a long story and I don't really know what you had as specific question.
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