I use the same Ebay as my dad, and sometimes I get items sent to my mom's house or my brother. This new autopay took all of that away because it didn't give me an option of payment or address. It also gets charged to him as well. I have passed on numerous items since this started, choosing to buy them elsewhere if available or just not buy at all. So yes, there is a downside and it sucks.
Maybe if someone has over 2,000 transactions like we do with 100% positive ratings the entire time, you can trust us to pay. Just a thought
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