how do i remove immediate payment (as a seller and buyer)? I never chose this option.

Have noticed this happening more and more - having to pay immediately - with my regular sellers that I purchase from and with my own buyers.  I never chose this setting.  Can I get rid of it for both my buying and selling and how please?

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As a seller:     https://www.ebay.com.au/help/selling/listings/creating-managing-listings/immediate-payment-works?id=...

 

As a buyer: Go to ACCOUNT>>>PERSONAL INFO>>>FINANCIAL INFO>>>CHECKOUT SAVED PAYMENT METHODS