It is not possible to change the payment method after requesting a payment. Often said in this thread and also written on the request payout page of Bitshare
I'am sorry for you, but they don't do refunds. I follow this thread and you are not the 1st that wanted a refund.
There is no answer to that question...it depends...you should try PPD for let's say 2 weeks and then see how much you earned. Compare that to the number of sales you made in this 2 weeks and you will have your answer.
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