The most common finance question from new suppliers is some version of "why hasn't this payout landed yet." The short answer: settlement starts on delivery confirmation, not on shipment — and that gap is deliberate.
3-5 days
typical delivery-to-settlement window
48 hrs
buyer dispute window after delivery
Why delivery, not shipment
Settling on shipment would mean releasing funds before a buyer has had any chance to flag a problem — which shifts nearly all dispute risk onto the marketplace instead of the transaction itself.
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Ishaan Malhotra
Finance Lead, Marketplace Payments
Ishaan works on payout and settlement design for reCart Buyer's supplier-facing finance tools.