So with this Paypal credit, does the seller get their money straight away? Or only when Paypal have received their last payment?

And what happens when the buyer, after the second payment, says they can't pay the next instalment because "their grandmother died", "my budgie had to have a hernia operation" or " my dog ate my homework" excuse? Is the seller, once again, left to suck eggs?

Buy something, pay for it in full, no debts hanging over your head. Or is that just me?