As a new shop, you are on a hold, reserve or both.
Hold: 7 or 14 day hold on each sale for 90 days from the date of your 1st sale.
Go to your payment account under the finances tab. Scroll down recent activities, where it says "sale" under the description, you will see a date for when the funds will be released. This can be 7 days or 14 days after the date of sale. If it is `14 days after the date of sale, then all your sales will be on a hold for 14 days from date of sale.
Any fees, postage etc.. is deducted instantly, leaving a balance to be paid out, if further sales come in before the date of your Pay out, then the fees, postage etc. is instantly deducted from your next available funds (so make sure you can finance your company for at least 3 to 6 months)
Once the 90 days are up, then you receive the funds for each sale the following day. Keep in mind that 90 days is not set in stone, they can increase this 180 days if shops are not following the rules, online selling laws, customer service.
Reserve: Make sure you send everything with tracking, if not, then once your funds are released from the hold, they could go straight into a reserve for a further 45 days
https://www.etsy.com/uk/seller-handbook
Your shop is lacking much of the required legal policies, it is best to get everything in order to prevent longer holds on your funds
