The five settlement tiers

  • Introductory: 31 days from delivery. New shops and shops on probation.
  • Standard: 8 days from delivery. The default after probation.
  • Accelerated: 5 days. At least 50 orders shipped in the window, and a Shop Performance Score of 3.5 to under 4.
  • Express: 1 day. More than 500 orders shipped, or more than 100 with over $10,000 in GMV. Score of 4 or higher.
  • Deferred: 31 days. Applied while TikTok Shop runs a security or policy check.

Tiers are reviewed at the start of every month. Better performance shortens the wait. Worse performance lengthens it.

The reserve

A share of each order's settlement can be held for 30 days from delivery.

  • Level 3: nothing held. Out of probation, late dispatch at 4 percent or under, seller-fault cancellations at 2.5 percent or under.
  • Level 2: 5 percent held. Late dispatch above 4 and up to 8 percent, or cancellations above 2.5 and up to 5 percent.
  • Level 1: 10 percent held. On probation, late dispatch above 8 percent, or cancellations above 5 percent.
  • Level 0: 70 percent held. Applied when disputes reach 85 percent of your reserve, or the shop is rated high risk.

Unused reserve is released when the 30 days end.

What comes out before the payout

  • The platform referral fee on each delivered order.
  • Refunds and returns.
  • Creator commissions you agreed to.
  • Shipping differences, if your package weight was wrong.
  • A $10 fee for each chargeback you appeal.

Withdrawal

Settled money moves to your linked bank account from the Finances section. The minimum payout is $1. A bank deposit usually shows in 1 to 3 business days. Your own bank may charge to receive it. TikTok Shop's settlement and reserve policies do not list a withdrawal fee.

A negative balance

If fees and refunds outrun revenue, the balance goes below zero. TikTok Shop can charge a US credit card on file to clear it. Enforcement lifts when the balance is paid.

Reading your statement

  1. Go to Finances, then Statements.
  2. View by orders.
  3. Filter the type to Adjustment to see charges outside normal orders.
  4. Open View details on any line you do not recognize.

Planning cash around the tiers

  • On the Introductory tier, stock you ship today is paid about five weeks later. Buy inventory with that gap in mind.
  • A promotion multiplies the gap. More orders, same wait.
  • Creator commissions come out of the same orders. Know when each side is paid.
  • A 10 percent reserve for 30 days is a real cost in a growth month.

The three numbers that move your tier

  • Late dispatch rate. Ship inside your handling time, every order.
  • Seller-fault cancellation rate. Keep stock counts true so you never cancel.
  • Shop Performance Score. It needs 3.5 for the five-day tier and 4 for the one-day tier.

None of these is a finance task. They are shop operations tasks that decide your cash. That is why account health has one named owner in every pod we run.

Running this for a brand is what we do. Book a discovery call.