Marketplace Payout Timing Calculator

Amazon and Walmart both hold funds for a period after an order ships or delivers, then release them on their own disbursement schedule — and the two mechanics differ enough that the same order can take meaningfully different amounts of time to become cash. This tool runs your own handling and transit time through each platform's documented hold-and-settlement mechanics side by side, instead of assuming a flat settlement period for both.

Amazon: most U.S. seller accounts now sit on a delivery-date-based reserve (widely reported as 'DD+7') — funds become eligible for disbursement 7 calendar days after carrier-confirmed delivery, on top of whatever transit itself takes. Amazon has not published a single canonical policy page naming this mechanism, but it is consistently corroborated across seller forums and seller-tool providers, and matches Amazon's stated purpose of giving buyers a window to report a problem before the seller is paid. Separately, Amazon's account-level reserve (new accounts, elevated return/chargeback rates, accounts under review) can hold funds well beyond DD+7 — reported in the 14-90+ day range — but Amazon discloses no formula for it, so this tool flags that risk rather than guessing a number for it. Walmart: per Walmart's own Seller Center help documentation, settlement runs on a fixed two-week cycle (every two weeks, on alternating Fridays), and a payment hold can apply starting 7 or more calendar days after an order ships (shipment, not delivery, is the anchor). Because the hold-clear date rarely lines up exactly with a settlement cutoff, real cash timing falls in a range — a few days past the hold if it clears right before a cycle runs, or up to a full extra 14-day cycle if it clears right after one just ran. New Walmart sellers face a separate rolling hold (up to 14 days for U.S.-incorporated sellers, up to 21 for non-U.S.) that only lifts once both 90 days have passed since the first shipped order and $7,500 in payments has been received — a one-time ramp condition, not a per-order delay, so it isn't built into the per-order numbers below; this tool flags it as a reminder instead. Both platforms' figures add standard bank/ACH clearing time on top of the disbursement date, which you can adjust to your own bank's typical speed.