My last car lease i paid the AP by debit card. This time it must be bank transfer and it DOES take a couple of days.
Because the garage is a chain, the payment goes to their head office account and their accountants deal with that side of the business.
No point in arguing its instant transfer. It is their account and their rules.
You can go to the garage, check the car over and enter the pin. But you wont leave with the car that day, and have to return when the AP has cleared. My garage only allowed max £500 by debit card or credit card. Anything over that amount is bank transfer and 2 days clearance.
Its their rules.