diff --git a/Essentials/src/com/earth2me/essentials/UserData.java b/Essentials/src/com/earth2me/essentials/UserData.java
index 7ea09b3e9..d38b3ef19 100644
--- a/Essentials/src/com/earth2me/essentials/UserData.java
+++ b/Essentials/src/com/earth2me/essentials/UserData.java
@@ -100,7 +100,7 @@ public abstract class UserData extends PlayerExtension implements IConf {
         BigDecimal result = ess.getSettings().getStartingBalance();
         BigDecimal maxMoney = ess.getSettings().getMaxMoney();
         BigDecimal minMoney = ess.getSettings().getMinMoney();
-        
+
         // NPC banks are not actual player banks, as such they do not have player starting balance.
         if (isNPC()) {
             result = BigDecimal.ZERO;
@@ -806,7 +806,7 @@ public abstract class UserData extends PlayerExtension implements IConf {
         if (!config.isConfigurationSection("timestamps.command-cooldowns")) {
             return null;
         }
-        
+
         // See saveCommandCooldowns() for deserialization explanation
         List<Map<?, ?>> section = config.getMapList("timestamps.command-cooldowns");
         HashMap<Pattern, Long> result = new HashMap<>();
@@ -845,19 +845,19 @@ public abstract class UserData extends PlayerExtension implements IConf {
             saveCommandCooldowns();
         }
     }
-    
+
     public boolean clearCommandCooldown(Pattern pattern) {
         if (this.commandCooldowns == null) {
             return false; // false for no modification
         }
-        
+
         if(this.commandCooldowns.remove(pattern) != null) {
             saveCommandCooldowns();
             return true;
         }
         return false;
     }
-    
+
     private void saveCommandCooldowns() {
         // Serialization explanation:
         //
@@ -898,10 +898,10 @@ public abstract class UserData extends PlayerExtension implements IConf {
         save();
     }
 
-    private boolean confirmPay = true; // players accept pay confirmation by default
+    private boolean confirmPay = false; // players deny pay confirmation by default
 
     public boolean _getConfirmPay() {
-        return config.getBoolean("confirm-pay", true);
+        return config.getBoolean("confirm-pay", false);
     }
 
     public boolean isPromptingPayConfirm() {
@@ -914,10 +914,10 @@ public abstract class UserData extends PlayerExtension implements IConf {
         save();
     }
 
-    private boolean confirmClear = true; // players accept clear confirmation by default
+    private boolean confirmClear = false; // players deny clear confirmation by default
 
     public boolean _getConfirmClear() {
-        return config.getBoolean("confirm-clear", true);
+        return config.getBoolean("confirm-clear", false);
     }
 
     public boolean isPromptingClearConfirm() {