14-02-2020 4:25 PM
The seller cannot get your account shut down. She can - and should - open a non-payer case which if you do not pay within a further 4 days will give you a defect. If you get 2 defects in a year then many sellers will not sell to you.
If you wish to stay on eBay you must arrange things so that you can pay [every time] within 2 days of the sale