Honouring fee

I have been charged an honoring fee twice by Standard bank. Only to be told that shops bank late and the system is slow and thats why my transfers to make payment were late but the card didn't decline. I had tranfered money to an account which reflected on my app and they tell me there was no money when I made the purchases. I see they are finding was to make money. Mxm! What a dissapointment. No assistance whatsoever! They are quick to tell you that "you didn't have money", rather that give a solution.