If you alredy use BTC payment option, you dont need to wait (if you just wanna change address). I changed my BTC addres and next payment was on that addres.
If you are currently on different payment option (Paypal, Webmoney....) then you should ask support.
Offcourse its crypted. Thats because to stop hackers to change your payment details to their address, without you knowing, If you dont know your previous pp, contact RG or PP support to provide you that info.
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