Receipts created from Bill Management Process are in 'Confirmed' status

Receipts created from Bill Management Process are in 'Confirmed' status. When will the receipt be in 'Cleared' status and
1)what are the next steps in the process.
2)How do i receive bank confirmation that we have received funds from Customer.
3)How to ensure payment transmission holds good from customer bank to our bank account(Only Bank Account Transfers not Credit Card)
TESTING:
1)Create invoices from internal username
2)Login with External Username: ****
3)Enter the Bank Account information along with routing information and Save the details.
4)Click (B)Pay on the invoice
This will generate Receipt Number: InvoiceNumber_SYSDATE
5)Verify the receipt status from Internal user and it would be in 'Confirmed' status