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wrote:

the BUYER needs to change their settings:

 

Here's the steps about removing the automatic payment checkout:

 

1.Go to My eBay.

2.Click Account

3.Select Personal Information

4.Scroll down to Financial Information

5.Click Remove on the right side of Checkout saved payment methods.

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I finally got around to checking out whether this works.  I wanted to buy something tonight and got taken direct to checkout instead of being able to use BIN and then confirm.  When I looked in my account details it says I have no saved payment methods, therefore there's nothing to remove.