Bad Service, Systems that dont do what they are suppposed.

I loaded an instant payment on the FNB app on Sunday at 08h06am. Until now the funds have still not been received by the beneficiary. I have spoken to private banking call agents and about 5 online chat agents. All promising that it has been escalated but my money is now just no where all they say is its pending. No one can tell me for sure if the funds are safe this was an instant payment for a reason not for fun now a lot of people have been affected. Ridiculous to provide a service you cannot use. Im a private bank client and this is the service you get for the massive monthly fee i pay a month.