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Automatic payment feature

Hi everybody, hope everything is OK. I want to know, what other buyers and sellers think about autopay feature, when buyer makes an offer to seller.

I hate it. I do not know, why Ebay created this very inconvenient feature. I reduced quantity of my offers sent to the sellers. I missed a lot of items, because of this not useful feature. I need contact seller first to talk about price, then, need to ask seller to send me offer, but because other people watch this item, they can accept my offer before me. I do not like this feature, because I cannot manage my payment. I cannot split payment between 2 cards, I cannot use payment by installments, I cannot ask seller to send me invoice with combined shipping, if I want to make the offers for two or more items from the same seller.  Ok, if Ebay wants to use this feature, should be button to remove or to use autopay on the offer's window. Ebay should give choice to use it or no. Thanks a lot for understanding, looking forward to see others oppinion. 

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