Immidiate Payment failure

On Tuesday 14-09-2023 i did an Immediate payment to my Wife who was stranded an Hour later the Money had not reflected, when i called Nedbank they told me that on their side it shows the transaction was done on at 12:08 while i did it at 11:37 and have screenshots showing the time.

After that i was told that their Digital team say Immediate payment can take up to 2 Hours, to which i asked the App says nothing about 2 hours but rather 30min

then i was Told Sometimes the issue is with the 3rd party bank delaying and i said every other bank gets it right accept for Nedbank and they also have to deal with 3rd parties, its a convenient excuse but very suspicious and disappointing that CAPTEC, TYMEBANK (These are my other banks) have no issues with 3rd party only Nedbank

Then finally i was told the contract you signed covers us encase immediate payment takes longer than prescribed, now i am offered a service that actually doesn't work and i get charged for it (though i don't receive it) and all Nedbank can say is we are covered by the contract you signed, as a client this eaves me feeling hopeless and *****ed.

It would be one thing if this was a once off but having been using Nedbank for more than 3 year, i have used intimidate payment more than i can count and not a single time has it ever taken less than an hour, this time i called the bank because my wife was left stranded because of this failure on Nedbank's side