At the moment eBay have an option , well all sellers have been opted in, with the option to opt out, excuse the many options here, to select an immediate payment for anyone who accepts an offer, they are thinking of rolling this out for auction winners too.
I rarely do auctions but find payments nearly always come late, but to be expected in a way as few may watch an auction to the end to know they have won, and only realise when seeing eBay sending them a message ' Congrats you've won, please pay now'.
Yes, non payers do get a strike for non payment 2 leading to a restriction on buying from many sellers for a full 12 months.
New members do get restrictions on the number of bids they can initially place, even more so if they are the ones not paying when winning.
