Well, there's no way to enforce payment by three or five days. Also, if they pay via PayPal there's no "risk of liability" whatsoever for the buyer. But I don't think eBay's filters would be picking either of those up..
Other than that, I don't see any problems in that listing but maybe I'm missing something?
What was the listing title you tried to used?
Also, just a stab in the dark, but have you tried the exact description in another template? Perhaps something in the template is catching.
Sorry I couldn't be of more help..