I'm adding this for search purposes as I've had another similar issue and it might help someone.
The payment via Stripe is shown as pending and the Stripe AI helper states:"This payment is pending because it's a Bacs Direct Debit payment, which takes several business days to process. The payment was created on April x and the expected debit date is today, April x.Bacs Direct Debit payments go through a clearing cycle and typically take 3-5 business days to complete. The payment will remain in a pending status until the funds are successfully debited from the customer's bank account. Once the debit is confirmed, the status will update to succeeded and the funds will be added to your Stripe balance. This is normal for Bacs Direct Debit payments in the UK."
So delays might not be an issue with users payments, just the time it takes their chosen method to complete.