Even if seller does not send a reminder, eBay does send one on day 2. I usually re-send invoice on day 4 and when I do not hear then I open case.
eBay has given seller tools to deal with NPB, there is nothing wrong or rude with the seller who uses them = open NPB dispute on 4th day. Some people sell hundreds or thousands of items a week, they would have it set up for NPB cases to be opened automatically, it would be impossible to deal with any other way.
As for sellers not providing their banking details; maybe they do not want you to pay in their bank. I do have my bank details available, but that is only because I am sick of people asking for them, I prefer PP and would rather if people did not use DD. The few dollars it saves me in fees is not worth my time looking for payments to clear up.
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Voltaire: “Those Who Can Make You Believe Absurdities, Can Make You Commit Atrocities” .
