How long does money from Apple Pay REALLY take to get into your bank account?

i’ve had a lot of people send me money through Apple Pay that has accumulated on my phone. I’d like for it to transfer to my account so i clicked transfer to bank and entered my card number and routing address. It has now been 4 days and I still see no sign of it in my back account. What is going on? I’m worried that the money was lost and wasted. It shows in my statement that I transfered said amount of money to my accout but I see no sign of it anywhere. I submitter the money in a Friday and read somewhere that the money does no transfer on weekends or major holidays could that be why it hasn’t gone in yet?