Guaranteed funds from a buyer are held until a delivery to the buyer is confirmed by a payment provider. The funds are then released to the seller immediately upon confirmation. Confirmation may be accomplished by the buyer entering an identifier upon delivery or some other confirmation by the shipper, where the identifier was provided to the buyer during the transaction with the seller. In other embodiments, the identifier generated by the payment provider is provided partially to the buyer and partially to the seller. Upon receiving a match of the identifier from the buyer and seller on delivery, buyer funds are released to the seller.