Order Process Concern -Failed Orders and Refunds

I've been using Mr Delivery for food delivery for quite some time. I've placed many orders and keep Mr D as my delivery service. However, I do have some concerns over how the system works - regarding failed orders.

From what I understand with card payment orders - payment is deducted by Mr D before an order is even accepted. I've had quite a few failed orders, which is understandable due to the nature. However, it is rather inconvenient.

Yes, a refund happens - but that takes 24 hours (usually longer) with standard bank.

I'll likely continue to use Mr Delivery but this is very frustrating. Is there any kind of penalty imposed on non responding restaurant/ or any kind of compensation to the customer for the inconvenience?

It's seldom that I'll resort to a review- but this is getting a little much

Warm Regards