PaypalConfig::createConfig() hardcodes save_payment_method: true with no escape hatch. Overriding it requires substituting the config class before Ollyo\PaymentHub autoloads — a timing constraint that causes fatal errors.

Two independent branches address this:

PR Alpha — copilot/tutor-lms-paypal-vaulting-alpha

Developer-facing WordPress filter. Single-file change, zero new storage.

// ecommerce/PaymentGateways/Configs/PaypalConfig.php
$enable_vaulting = apply_filters( 'tutor_paypal_enable_vaulting', true );
$config = array(
    // ...
    'save_payment_method' => $enable_vaulting,
);

Opt-out anywhere after plugins_loaded:

add_filter( 'tutor_paypal_enable_vaulting', '__return_false' );

PR Beta — copilot/tutor-lms-paypal-vaulting-beta

Admin UI toggle; no custom plugin code required.

• OptionKeys.php — const PAYPAL_ENABLE_VAULTING = 'tutor_paypal_enable_vaulting'
• Settings.php — new PayPal Settings block in the Checkout panel with a toggle_switch field; default on preserves backward compatibility
• PaypalConfig.php — reads the saved option via the constant:

  $enable_vaulting = (bool) tutor_utils()->get_option( OptionKeys::PAYPAL_ENABLE_VAULTING, true );

Both branches are independent (each based off master) and fully backward-compatible.