I don’t think it needs to. I won’t be sending anything to Stripe if a non-Stripe method of payment is selected.
The problem is the form is changed to be a Stripe form and, as a result, it forces a Stripe transaction and returns success or error after that. If the submitter didn’t select Stripe and so, as a result, doesn’t fill in any card details then the script returns an error because it tries to get the client secret and fails.
I want the facility to be able to say ‘don’t try to process this transaction’ if they select a non-Stripe method.
I’m convinced this isn’t an odd and unusual request. It’s something that lots of e-commerce websites will be needing.