We have Pro and were finally approved for Reference Transactions and ran a live test. It seems to have worked but I have 2 usage questions:
1) We used a test PayPal account without a credit card so it made it an "eCheck" ... does a user who pays by eCheck have immediate access since those take time to clear?
2) When I go to our Update Billing page with the shortcode it says "Please log in at PayPal to update your billing information." and then shows the form anyways. If they update using that form will it switch them to direct payments? If not, can I use s2if or some type of logic to just say "Please log in at PayPal to update your billing information." and not show the form?