PayUMoney — Fw: order not delivered against payment id[protected]

Address:	Gurgaon, Haryana, 122002
Website:	www.payumoney.com

Dear sir
On dated 11/10/2016
I had ordered the medicine on tablettee on line and paid the amount rs 2206 through payumoney payment id[protected] merchant lab91 software private limited
But still the product not deliver to me
I just received the call from pay u money.
Representer told me that they have excluded the merchant, so now they will not be able to refund.
Bur sir my question is that at the time of payment, was the merchant excluded?
If the merchant was excluded, than why my payment has been release to merchant.
Is this the extraction from pay u money?
Where is the buyer protection policy?
Why my money transferred to merchant, without my delivery confirmation?
Kindly refund my money asap

Regards
Bhupender sharma