FNB **** Pay and Clear System,I want my money

I made a pay and clear payment today in the morning from FNB to Capitec,till now 19:46 the money is not reflecting in my capitec account.Since morning I have spoken to a number of consultant and they keep on telling me on fnb side it has been cleared but it's still not available.In the afternoon I had to go the fnb branch they were clueless and had to call online banking hotline and I was told the same thing that the money is cleared on fnb side.What is the use of using pay and clear if the money takes the whole day to clear?