The seller deposit math
On a $50 order with item-only pricing (no separate shipping line), a US seller with standard fees deposits: $50 − $0.20 listing − $3.25 transaction − $1.75 payment processing = $44.80. That's 89.6% of the gross.
If Off-Site Ads attributed the sale at 15%, deduct another $7.50 — final deposit is $37.30, or 74.6%. Same order, same buyer, same product — the Off-Site Ads attribution alone changes the seller's take by $7.50.
Payout timing
Etsy Payments deposits to your bank on a configurable schedule (daily, weekly, biweekly, or monthly) once funds clear the platform's reserve period. New shops face a 3–10 day reserve hold on initial sales; established shops settle within 1–3 business days of the order being processed.
The deposit is the order total minus all fees minus sales tax (sales tax is remitted directly by Etsy, never passed to the seller). What you see in your bank is the actual net cash you keep — fee deductions happen on Etsy's side before the deposit posts.
Why the 'percentage paid' varies so much
The seller's take-home percentage depends almost entirely on Off-Site Ads exposure. Three identical sales can yield 90%, 78%, and 72% to the seller depending on whether each sale was attributed to an Off-Site Ad and at what tier (under or over $10k revenue threshold).
Shops under $10k can opt out of Off-Site Ads and lock in the higher take-home rate. Shops over $10k cannot opt out but get the 12% rate instead of 15%. This is the single most important policy decision a new Etsy shop makes.