I just wish I knew if it was there before I opted into business policies. If I get motivated enough, I'll opt back in to and take a look at which listings are assigned to certain payment policies, as there were multiple listed there when I went to the dashboard. I deleted all policies that weren't being used on any listings, but if the listings that are being affected are all assigned to a specific payment policy, I might be able to solve the issue by deleting that one and assigning the listings to one that doesn't have it. (From the listings I have checked - which wasn't all that many - I found half a dozen that had immediate payment on them, so it seems a fairly small percentage at this point in time).

It's still weird, though - you can't have immediate payment required on a listing that accepts bank deposit (if you actually tick it, all payment options other than PayPal disappear), and these listings still have BD as a payment option. 

@countess, contacting CS isn't on my agenda, they can't do anything practical or useful