Holding my money

Hi could someone please

 Tell me why a payment from a seller hasn't gone straight into my bank?? And why it's taking two days?? Am I expect to pay for the postage  before actually receiving the cost of postage from the seller! I do hope not. I have had this eBay account for years and paid Hundreds in silly Fees over the years. Please get back to me asap. Kind regards donna

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