Brands search this after Faire offers three payout speeds on the same invoice. Next-day processing is 3.5% + $0.30. Waiting 60 days is 1.9% + $0.30. The slower line looks cheaper until the cash you already spent on goods sits unpaid.
The processing spread is small. The wait is not. On the calculator defaults — a $200 North America first marketplace order ($20 wholesale × 10, $8 cost, $15 shipping both ways, the $10 new-customer fee) — next-day processing is $7.30 and 60-day processing is $4.10. That is a $3.20 spread. Next-day cash is $167.70. Waiting 60 days pays $170.90.
24% money makes next-day payout the cheaper path. A card, merchant-cash-advance, or inventory line at 24% models $6.62 of carrying cost on that $167.70 over 60 days. Next-day leaves $72.59 after $0.11 of one-day float. Waiting 60 days leaves $69.28 — $3.31 behind. Next-day and 60-day match at about 11.8%.
Cheap capital still covers the wait. At 6%, the same 60-day wait models $1.65 of float and leaves $74.25. Next-day leaves $72.67. The $3.20 processing savings still covers 6% money.
| Path | Wait | Profit | Carrying at 24% | After float |
|---|---|---|---|---|
| Next-day payout | 1 day | $72.70 | $0.11 | $72.59 |
| 30-day payout | 30 days | $74.90 | $3.31 | $71.59 |
| 60-day payout | 60 days | $75.90 | $6.62 | $69.28 |
Carrying cost is your assumption, not a Faire fee and not interest you can invoice a retailer. Faire's published processing is a payout-speed fee. Confirm the rate on the payout summary. The calculator does not pick a speed for you.
Open the Faire seller fee calculator, keep your wholesale price and cost, and type the annual rate you actually pay. A Faire Direct vs marketplace comparison is a different question: commission path, not when the cash lands.
On the calculator defaults — a $200 North America first marketplace order ($20 wholesale, 10 units, $8 cost, $15 shipping both ways) and a 24% annual carrying-cost assumption — next-day payout leaves $72.59 after $0.11 of modeled float. Waiting 60 days leaves $69.28 after $6.62 of float. The $3.20 processing spread does not cover 24% money sitting 60 days on the $167.70 you could have had next day.
When your money is cheap. At a 6% annual carrying-cost assumption the same order leaves $74.25 after waiting and $72.67 next day. Next-day and 60-day match at about 11.8%. Enter the rate you actually pay on a card, inventory line, or opportunity cost. This page does not tell you which payout speed to pick.
No. Faire's published processing is a payout-speed fee (3.5% + $0.30 next day, 2.4% + $0.30 at 30 days, 1.9% + $0.30 at 60 days), not interest. The carrying-cost line is your own assumption applied to the cash you forgo by waiting. Confirm every fee against the payout summary on the order.