Just tried instarem yesterday.
First test top-up of using paynow isn't instant, need write in and chat with support then 2 hours later wallet topped up.
Thinking issue resolved, this morning topped up another amount via paynow and same thing happened, wallet balance not reflected even after an hour.. raised another ticket and awaiting solution again.
Did everything correctly, using qrcode and the fw was auto inserted to payment remarks. Dunno what went wrong. How long is paynow topup usually? And I link a card successfully, but wallet top up is still showing only paynow options.