Uncleared effect card payment

Disgusted by fnb. Woke up to a debit on my cheque acc on the 16th for a credit card payment, up until now still has not reflected on my card all it says is "uncleared effect" meanwhile i was promised 24hr for it to reflect. Fnb usually say pending transactions are merchants fault, so who's fault is this coz it FNB card payment from FNB cheque account. This is straight up ***** and really am considering reversing the transaction and paying manually if it doesnt reflect by end of tomorrow