Girocard (debit card) or ELV (eletronic direct debit) transactions are only cleared after the payment terminal has done the end-of-day report. Most commonly payment terminals are configured for automatic end-of-day reporting. Otherwise you need to start this process via the secuconnect API.

You can do the end-of-day report calling POST /api/v2/Smart/Transactions/me/EndOfDay:

If everything is fine, the API responds with 200 OK and the representation of a Smart Transaction thet tracks the end-of-day report.