Where is my funds?

I emailed an invoice to a customer, they paid. 

I received a email receipt. They paid via Visa. 

It's been 5 days and the money is still not in my account. 

I have tried to contact myob on the phone (which was a waste of an hour and a half) got put though to someone then fobbed off into the abiss on hold music. 

This is not the first time it's taken so long. Question is what the f is the hold up? and where the f is my money? 

Any help would be appreciated.