A buyer cannot stop this.
This is a new ' feature' eBay has introduced for sellers, to avoid the large numbers previously made of non payments.
I wish to add this was not an option for sellers, all sellers were opted into this, many not knowing, and some still do not realise they can manually opt out if they wish.
The only way to prevent this happening again, is before you make or accept an offer is to message the seller asking if they have this immediate payment selected, and if they would kindly remove it as you wish to pay by other means at eBay checkout.
They are of course not obliged to do this, I suspect some / most would, so as not to lose a sale.
