PhonePe — refund issue not sorted out

Address:

110057

I tried to pay a phone bill through Phonepe app which got denied due to some unknown reason and the money got deducted from my bank account. I instantly got a message stating that the money will be refunded back to the bank account. and i haven't got the refund yet..!! and somewhere it shows it takes upto 7-9 days
the problem is why does it takes so long to initiate the refund, what was the problem on my end. i could have done it from any other way if i knew this was going to happen, and why does phonepe deducts the amount if bill did not go through and why does it have to take this long
there are many other problems a common man face because of funds, and why do we have to wait for 7-9 days for the refund..??
this is so ridiculous