How long does it take to get a payout payment?

it states up to 10 business days when you do the request 

This has to be a joke! Complaining about 3 days

What do you mean by “get those photos back”? You created them, they should be stored on your hard drive, with a backup copy somewhere else.

You really should take time to read the Adobe Stock Contributor Learn & Support help pages:
Stock Contributor Help

There is no issue. Apparently, you didn’t see the message when you submitted the payment request. It clearly says that payments will be remitted 7-10 business days after the request.

Adobe got their money which I’m sure was a whole lot more than I got for all my hard work

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Adobe pays higher royalty fees than competing services. 

• Photos, vectors & illustrations: 33%
• Videos: 35%

https://helpx.adobe.com/stock/contributor/payments-earnings/royalties-pricing/royalty-rates-assets.html

Adobe Stock also pays for the website, infrastructure, credit card processing and other related business fees that you don’t have to.  If you think you can reach millions of global customers another way, you’re welcome to try. 

Good luck.

The banking industry says allow 10-15 business days for money transfers to become available.

Uploaded assets that were not accepted into Stock inventory don’t exist.

What you see in your portal are just low-res previews as a reminder of what you submitted.

Keep an Excel spreadsheet with notes about which images you submitted. And store original images on your computer hard drive and an external backup drive to protect against data loss. 

I also use a dedicated backup & recovery service called Backblaze.  Each night, it backs up my computer data to the cloud. 

7 to 10 business days, not counting weekends or the day of withdrawal.

Adobe is not meant as a means to backup images. You need to keep copies of your submitted assets locally or on a server dedicated to storing backups.