I asked Stripe a few questions, and they explained to me:
If you use the "Separate charges and transfers" payment flow, the money flow from customers will first pass from your platform and then subsequently there will be the transfer to the connected account that will come into play, that is the seller (in this case the commissions that Stripe on transactions are charged to the platform). In this scenario, the platform can apply a commission percentage as an intermediary of the transaction and can withhold the money intended for the seller for a period of time, even 90 days. The funds only see the platform, and the seller will see the funds after the platform has made the transfer to the connected account.
For a greater level of detail, below, I leave the reference link:
To use this type of payment flow, we recommend using the connected accounts of the Custom or Express type. With Custom, your sellers won't even know they have a Stripe account, and they will see the money flow directly into the associated bank account. While with Express it gives the possibility to connected accounts to have access to the Stripe account with the display function. For a greater level of detail, below, I report the link of our official documentation:
However, in this case, the payment is made by the end customer, it does not remain pending.
In Sellacious, did you implement this payment process?