Thanks for reaching out to us with your concern over pending payments. I can help share some information about lead times in QuickBooks Online.
Ideally, it would take five (5) business days to deposit your funds if this is your first time processing or receiving payment since we're still setting up your merchant account. After the first batch deposit, your payments will be deposited faster. It can take 1-2 business days for credit card payments to deposit and 2-7 days for ACH payments to hit your bank account.
There are times that deposits may delay. To find out why, please check this article: Why are my funds on hold?
Since it's already beyond that timeframe, I highly suggest contacting our Merchant Support team. They have tools that can pull up your account and check why the payment is not yet deposited.
Also, I've added these articles to learn more about payment deposits in QBO: