Received payment buyer via email, 21 days est…What?

So I’ve just sold my product and received an email regarding that Buyer has made a payment- and to Ship Now. But eBay says it will take perhaps 21 days for the payment to acquire? I am so confused. Note: this is my 1st item to be sold with this hold. (sold a phone 5+ yrs ago, technically 2nd) So the question is, do I wait to ship the item if the payment haa not cleared for 1-21 days? Or ship it because I have received the email confirmation of payment from the buyer? Thank you in advance! Just a very confusing situation

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