Pay and Clear Now Not Working

I made a pay and clear now transaction to standard bank on the 19th of February and its now the 23rd of February still doesn't reflect. I was under the impression this should go in at least at most in an hour why I paid the extra transaction charge. I have not received any communication why it hasn't gone through only for me to call and be told that they will investigate and might be another 48 hours before it even goes through. I am still being charged for the pay and clear transaction even though transfer never went through and might never even go through. Word of advice never trust any FNB product to avoid disappointment and losing your money