Payment not honored

On Sunday 24 March, I needed to pay a supplier urgently for goods to be delivered this week as it will be a short week owing to the long weekend. I performed an immediate payment to my FNB account in order to effect further transfers to another FNB account. The money was debited from my account and I was further charged a R50 immediate payment fee. I waited the whole night for the payment to reflect in the FNB account but it did not. On Monday , the funds were still not reflecting and I decided to give Standard Bank a call. They provided me with a reference number and told me the payment will reflect before close of business. Today is Tuesday and the funds have still not reflected. Very disappointing indeed as I needed the funds urgently, hence the immediate payment option.