PhonePe — fraud transaction without I knowing all this

I paid a merchant on 24.10.2019 via the phonepe app. The merchant did not get the money but there was transaction showing on my phone. I paid 85/- cash to the merchant due to some transaction problem. Then after i claim to the phonepe regarding the transaction. The phonepe employee called me on 26.10.2019 then asked me about a/c no & dob. After 1 min i got my 85/- refund money. Then after that, all the money deducted from my two accounts. The a/c no is [protected] (Sbi) another a/c no is [protected] (Indian bank). I got the call from [protected] & [protected].