Money disappearing

I called capitec since well i saw that my balance was not the way it was supposed to be , i spoke to a lady by the name of Xolelwa. she told me about transaction that i did days ago that those business did not receive their money and they only receiving it now, i told her it does not make sense as i got sms notifications that money went out of my bank account same day i was busy with those transactions, she told me about Merchants who has 14 days to collect. why then receive sms notifications if they not accurate. that means you cannot plan for your money as it gets deducted without your knowledge.