DD+7 — officially called Delivery Date Based Reserve (DDBR) — means funds for a completed order move from Amazon's deferred transactions pool to your available balance seven calendar days after confirmed delivery. "DD" stands for Delivery Date, not Disbursement Date. The policy takes effect for North American sellers on March 12, 2026. Combined with Amazon's standard 14-day disbursement cycle, FBA sellers can expect 14 to 27 days from order placement to bank deposit; FBM sellers on standard shipping, 20 to 35 days.

What "DD+7" Actually Means

The most common point of confusion: "DD" stands for Delivery Date, not Disbursement Date. The official policy name is Delivery Date Based Reserve (DDBR). The "+7" refers to seven calendar days after Amazon confirms an order has been delivered.

Here is how the mechanism works, step by step:

1. Customer places an order. Funds for the sale enter Amazon's "deferred transactions" pool, not yet part of your available balance.
2. Carrier confirms delivery. The DD+7 clock starts at the moment delivery is confirmed via a carrier scan.
3. Seven calendar days pass.
4. Funds move to your available balance. At this point, the money is eligible to be included in your next disbursement.
5. Disbursement occurs on your regular schedule, the standard 14-day cycle, or on-demand if you have that option enabled in Seller Central.

Amazon's official example from the Seller Central notification makes the timeline concrete:

"If you sell a product on January 1 and it's delivered on January 6, then under the DD+7 policy, your funds for that order will become available for disbursement on January 14." (Amazon Seller Central)

A note on untracked shipments: For low-cost items that ship without tracking (typically items under approximately $10), there is no carrier scan to trigger the DD+7 clock. In these cases, Amazon uses the estimated delivery date (EDD) as the trigger. Funds release on the same 7-day schedule, using the EDD as the starting point rather than a confirmed delivery scan. (Amazon Seller Central)

What Changes on March 12, 2026

Most Amazon sellers worldwide, including sellers in Europe, were already operating on DD+7 terms before this policy update. The March 12, 2026 date affects a specific group: long-tenured North American sellers who were operating under older, more favorable reserve terms.

Specifically, this migration affects sellers who had:

• Shipment-date reserve terms — where funds were released based on when the order shipped, not when it was delivered
• Zero-reserve or daily-payout accounts — grandfathered arrangements, typically accounts established before approximately 2011, that allowed disbursement without a standard reserve hold

For these sellers, the release trigger changes from ship date to delivery confirmation, adding both transit time and the full 7-day hold to their disbursement timeline.

What happens during the migration itself: Amazon will automatically migrate affected accounts. As Amazon notes in the Seller Central notification, sellers should expect that their "ability to disburse funds may be temporarily limited" around the March 12 date, as in-transit orders at the time of migration come under the new policy simultaneously. Amazon describes this as a "one-time cash flow impact," referring specifically to the transition period. After migration, DD+7 creates a steady-state working capital requirement that becomes part of normal cash flow planning.

FBA vs. FBM: How the Impact Differs

FBA Sellers

For Fulfillment by Amazon sellers, Amazon controls the entire delivery logistics chain, including carrier assignment, routing, and delivery confirmation. This means:

• Delivery confirmation is reliable and timely: the DD+7 clock starts predictably
• Typical FBA delivery time is 1–3 days from order placement for Prime-eligible products
• Under DD+7, funds become available approximately 8–10 days after the order is placed
• The planning variable is the disbursement cycle timing, not the delivery confirmation itself

FBA sellers benefit from the consistency of Amazon-controlled logistics: the DD+7 timeline is predictable and can be modeled accurately.

FBM Sellers

For Fulfilled by Merchant sellers, third-party carriers — USPS, UPS, FedEx, regional carriers — control delivery and delivery scan recording. This introduces timing variability:

• The DD+7 clock starts when the carrier records the delivery scan
• Standard shipping delivers in 5–7 days, meaning funds become available approximately 12–14 days after the order
• For untracked FBM shipments, Amazon uses the estimated delivery date as the trigger, providing a predictable release timeline even without a carrier scan

FBM sellers should incorporate their carrier's typical delivery windows into their disbursement timing model. Sellers who use multiple carriers or shipping methods may find their cash availability varies more than under the previous shipment-date terms.

The Complete Payout Timeline Under DD+7

Revenue generated in the last week of a calendar month may not appear in your bank account until the following month. For sellers who use monthly cash flow statements to track business health, this is worth accounting for in your reporting.

How to Calculate Your Working Capital Requirement

The working capital required to cover the DD+7 disbursement period at your current revenue level is straightforward to calculate:

Daily revenue × 7 = working capital in the DD+7 reserve at any given time

Or, using annual figures: (Annual revenue ÷ 365) × 7

How to think about this number: This is working capital that is continually cycling through the DD+7 hold, essentially a standing requirement tied to your revenue volume. As your business grows, this number grows proportionally. It should be incorporated into your cash flow forecast as a line item, alongside your Account Level Reserve and the working capital deployed in your inventory pipeline.

How DD+7 Interacts With Your Account Level Reserve

DD+7 and the Account Level Reserve are two separate mechanisms that operate simultaneously, and understanding both is important for accurate cash flow planning.

Account Level Reserve is a dynamic hold that covers Amazon's estimate of future returns, refunds, and A-to-Z claims. It typically represents 7–14 days of recent sales, and it varies based on your account's return rate, customer claim history, and overall account health metrics (Amazon Seller Central). You can see your Account Level Reserve in Seller Central under Payments.

DD+7 (Delivery Date Based Reserve) is an order-level timing rule: funds stay in deferred status for 7 days after each order is delivered, regardless of your Account Level Reserve amount.

These two mechanisms are additive. Sellers who have a 10-day Account Level Reserve operating at the same time as DD+7 may find that approximately 17–20 days of rolling sales are in some form of hold simultaneously, some in deferred transactions awaiting DD+7 clearance, some in the Account Level Reserve.

The amounts and exact timing depend on your individual account metrics. The key point for planning: these are two separate line items in your Seller Central Payments view, not one combined hold.

Where to find each in Seller Central:

• Deferred transactions (DD+7 holds): Payments → Transaction View → filter by "Deferred"
• Account Level Reserve: Payments → Summary → Account Level Reserve
• Unavailable balance: Payments → Summary → Unavailable Balance (the combined amount not yet eligible for disbursement)

What to Do Before March 12

1. Update your cash flow forecast. Calculate your DD+7 working capital requirement using the formula above. Add this to your existing cash flow model as a standing line item alongside your Account Level Reserve. If you're on a zero-reserve or shipment-date arrangement today, this number represents new capital that will be cycling through the reserve going forward.

2. Check your disbursement schedule and Express Payout eligibility. In Seller Central, review your current disbursement settings. If you have access to Amazon's Express Payout or disburse-on-demand feature, that option accelerates the ACH bank transfer after funds clear DD+7, it does not reduce the 7-day hold itself. (Amazon Seller Central). Knowing your disbursement schedule now helps you model the timeline accurately.

3. Adjust reorder timing if you operate FBM. FBM sellers whose disbursement timing becomes less predictable under DD+7 (particularly those using carriers with variable scan timing) should factor this into their inventory reorder calendar. If your cash availability has historically been tied closely to your shipment confirmation date, build in additional planning buffer for the transition.

4. Monitor your deferred transactions in Seller Central. Starting around March 12, review Payments → Transaction View → Deferred regularly. This view shows which orders are in the DD+7 hold and when each is expected to clear. During the transition period, tracking this closely will give you the most accurate picture of your actual cash position.

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Frequently Asked Questions

What does DD+7 mean on Amazon?
‍DD+7 stands for Delivery Date plus 7. The full policy name is Delivery Date Based Reserve (DDBR). Under this policy, funds from a completed order move from Amazon's "deferred transactions" pool to your available balance seven calendar days after confirmed delivery. "DD" refers to Delivery Date, not Disbursement Date, which is a common point of confusion.

When does Amazon DD+7 take effect for US sellers?
‍The DD+7 policy takes effect for North American sellers (US and Canada) on March 12, 2026. European sellers migrated to DD+7 in September 2025. Most global sellers were already operating on DD+7 terms before this update, the March 2026 date specifically affects long-tenured North American sellers who were on legacy shipment-date reserve or zero-reserve arrangements.

Does DD+7 apply to FBA orders?
‍Yes. DD+7 applies to both FBA (Fulfilled by Amazon) and FBM (Fulfilled by Merchant) orders. For FBA, Amazon controls the delivery confirmation, so the DD+7 clock starts reliably and predictably, typically 1–3 days after the order is placed, with funds available approximately 8–10 days from order. For FBM, the clock starts at third-party carrier delivery confirmation.

How much working capital does DD+7 require?
‍The working capital required to cover the DD+7 disbursement period is approximately your daily revenue multiplied by 7. For a seller doing $500K annually (~$1,370/day), that's approximately $9,600 cycling through the DD+7 reserve at any given time. At $1M annual revenue (~$2,740/day), approximately $19,200. This is a steady-state planning figure, as the capital cycles continuously through the hold as orders are placed and delivered.

Is DD+7 the same as the account level reserve?
‍No. DD+7 (Delivery Date Based Reserve) and the Account Level Reserve are two separate mechanisms that operate simultaneously. DD+7 is an order-level timing rule: funds stay in deferred status for 7 days after each delivery. The Account Level Reserve is a dynamic hold based on estimated future returns and claims, typically representing 7–14 days of recent sales. Both appear as separate line items in Seller Central's Payments view.

What are deferred transactions in Amazon Seller Central?
‍Deferred transactions are orders whose funds have not yet cleared the DD+7 hold. They've been received but are waiting out the 7-day post-delivery period before becoming part of your available balance. You can view deferred transactions in Seller Central under Payments → Transaction View → filter by "Deferred." This view shows each order in the hold and when its funds are expected to clear.

Does DD+7 apply to FBM orders?
‍Yes. For FBM orders, the DD+7 clock starts when the third-party carrier records the delivery scan. For untracked FBM shipments (items that ship without tracking, typically low-cost items), Amazon uses the estimated delivery date as the trigger instead of a carrier scan, so funds still release on a predictable timeline. FBM sellers should factor their carrier's typical delivery windows into their disbursement timing model.

Can I opt out of Amazon DD+7?
‍No. As of the March 12, 2026 effective date, there is no opt-out available for US sellers. The migration is automatic for all affected North American accounts.

What happens if my Amazon order doesn't have tracking under DD+7?
‍For untracked shipments (typically low-value items that ship without a tracking number), Amazon uses the estimated delivery date (EDD) as the DD+7 trigger rather than waiting for a carrier scan. This means funds still release on a predictable schedule based on Amazon's delivery estimate, even without confirmed delivery scan data.

This content is for informational and educational purposes only. It does not constitute financial, legal, or investment advice. Consult a qualified financial advisor before making any borrowing decisions.