According to ebay, immediate payment is being rolled out to all sellers whether we like it or not. It's not supposed to happen if you have bank deposit as one of your payment methods but some people have said they have bank deposit ticked and it doesn't make any difference.

Buyers have to use the cart instead of using BIN, and they have to request a combined total from the cart. I don't really understand the cart as I've rarely used it, from what I've read in the forums requesting a total is the same as buying the items. Someone please correct me if I'm wrong!