Someone is buying a bike from me from a bike forum. I closed my old paypal account because it was in my maiden name and opened a new account so all of the information associated with the transaction would be in my correct legal name. Everything with my new account is confirmed, but paypal says it can’t instantly confirm my Wells Fargo bank account. The buyer has sent payment for the bike (it is not pending), and Paypal is asking me to accept or decline. I can’t accept the payment until my bank account is confirmed which will now be 2-3 business days because of the deposit method of verification. I was planning to ship the bike tomorrow, but I want to know are there are risks in doing that in advance of me ‘accepting’ the payment? Can the buyer retract his payment somehow? How long do I have to accept it?