Pay and "Don't" Clear

<p>26 Hours ago I did a pay and clear payment, I own a transport business and often make these payments after hours with no problem at all, in fact my banking fees paid out last month for this service were just under 4.5K between my business and personal accounts.</p> <p> </p> <p>Yesterday morning i did an urgent pay and clear payment of 15k to my standard bank account and to my surprise 30 mins, 1 hour ,2 hours later nothing had cleared in my standard bank account </p> <p> </p> <p>after calling fnb digital banking I was informed the payment would clear in an hour from 8am as standard bank most likely weren't open yet to clear the funds. </p> <p> </p> <p>5 phone calls and a day later still nothing has cleared , standard bank have informed me they don't hold back any payments and any trace any payment from fnb, my fnb private banker was totally useless in helping me, they won't reverse the funds (it takes 2-3 days) and instead of admitting an error on their app side they have offered to refund the pay and clear transaction fee when the money is eventually paid by fnb to standard bank.</p> <p> </p> <p>my question to fnb is why I'm paying all these private clients banking fees and how in 2017 can your systems be so useless that you can't trace money you have "sent", please don't insult my intelligence and claim it hasn't gone through because it was done between 6pm and 6am, I have done these many times they have always cleared immediately , in fact I did another one as a test this morning before 6am and it cleared immediately. </p> <p> </p> <p>Fnb please stop this dishonesty and either clear my payment or reverses my funds. This is not the first time payments have gone missing with your bank ! </p> <p> </p> <p> </p>