Two Amazon policy changes are hitting your cash flow. DD+7 is already in effect. Ad payment deductions start April 15. This calculator shows you the combined impact.
DD+7 stands for “Delivery Date + 7.” Amazon already holds your money for 7 days after the customer receives their package. Based on real settlement data across ExpandFi merchants, the median order-to-bank time after DD+7 is ~9 days, up from ~7 days before. This varies by account — some see 5 days, others 15+. This went into effect March 12, 2026.
Starting April 15, 2026, Amazon will take your ad costs out of your payout instead of charging your credit card. Before, you had ~30 days to pay your credit card bill — a free short-term loan. Now that money is gone from your payout immediately.
Just two numbers. That's all we need.
What Amazon deposits into your bank account per day. If you get paid every 2 weeks, divide your last payout by 14.
How much you spend on Amazon ads per day. Monthly ad spend divided by 30.
Before DD+7: When Amazon paid you, your balance went to zero. All funds were released. Money flowed through your account like a pipe.
With DD+7: Amazon holds every order in “Deferred Transactions” until delivery + 7 days. This creates a permanent pool of your cash that never empties. As old orders clear, new ones replace them.
$225K in pending payouts + $150K in ad float lost
Your profit doesn't change. But this is how much of your cash Amazon holds at any given time instead of it being in your bank.
Amazon permanently holds ~9 days of your revenue in Deferred Transactions. $25,000/day × 9 days = $225,000 always held.
$5,000/day × 30 days = $150,000 in credit card float lost.
1. Keep a low seller balance — if your balance is insufficient to cover ad charges, Amazon still charges your credit card as backup. Request frequent payouts to keep your balance low.
2. Switch to Pay by Invoice — Amazon offers Net 30 terms via wire transfer. This could give you similar or better cash flow flexibility. Check Advertising > Payment Methods in Seller Central.
Previously, you paid for ads with a credit card and had ~30 days before the bill was due. Now Amazon deducts $5,000/day directly from your payout — that's $5,000 × 30 days = $150,000 that's no longer available as free short-term financing.
Get a clean report to share with your accountant, CFO, or business partner.
Your profit is not changing. You still make the same revenue, pay the same fees, earn the same profit. Nothing about the economics of your business changes.
What changes is when you get the cash. It's like your employer switching from weekly paychecks to monthly — you earn the same, but you need more in savings to cover your bills while you wait.
To keep operating at the same level, you need $375,000 in extra working capital. That might come from:
Amazon's new rule: they hold your money for 7 days after the customer receives their package. With a 3-day average delivery, that's about 10 days from when the sale happens to when you can access the money.
The grace period you had when paying for ads with a credit card — you'd run $5,000 in ads today but not actually pay for 30 days. Amazon has announced ad costs will be deducted from your proceeds. It's not yet clear whether sellers who use the bank account invoice method (net 30 terms) will keep their float. This calculator shows the worst-case scenario.
How many days between when you spend money (buying inventory, running ads) and when you get that money back from sales. The shorter, the better. Amazon is making yours longer.
The cash you need on hand to keep the lights on — pay for inventory, ads, payroll, and rent while you wait for Amazon to pay you. When Amazon holds your money longer, you need more working capital.
This isn't a one-month hit. Once the new rules take effect, you will always have this much less cash available. It's not a cost — it's a permanent shift in timing. Your money is locked up longer, forever.
