I'm in Australia so it isn't as bad as the image, but 24h pending time for a purchase is fairly normal here. Anything that isn't direct person to person seems to have some kind of wait to it, although if I directly pay a friend 100 it's instant.

Unless it's a weekend, then they might hold it until monday (or even tuesday). I work in a petrol station in the UK and we have a sticker a bit like the one in the post on our pumps, but no-one ever seems to read it (or any of the health and safety signs, for that matter).