Razorpay — Transactions made through Razorpay via Cred Pay are not being settled as expected

Dear All,
I'm here to explore the issue after many discussions and mails with Razorpay Team. Let me explain the issue clearly and in detail, let me know still if it is not clear.

We have been using Cred Pay through Razorpay Payment Gateway on our website. Most of our clients are preferring to pay through Cred Pay using their Cred Coins and Credit Card. Let me give you real example which happened in our case.

Payment with ID pay_IPxt9jThSfgeVk and order ID- order_IQHaQRAmkbqmQD captured on 26th Nov 2021 of amount ₹10, 000.00 was settled on 30 Nov 2021.

As informed earlier the charge of 5% are levied on the Order Amount and not the amount paid to us, in this case, amount= Rs.10, 000/-

Service fees= Rs.500/- ( 5% of amount Rs. 10, 000.)
GST = Rs.90/- (18% on fees of Rs.500/-)
total Deduction = Rs.500+ Rs.90 = Rs.590/-

Total Sum of Rs.9000/- has been paid by the customer via Card and Rs.1000/- via Cred coins.

Settled amount: 8, 410/-

So Razorpay is saying that they received only 9, 000/- and they don't want to pay the amount which they received through Cred Coins which is being paid by Cred Pay via Cred Coins, but they are applying Payment Gateway Fee and Tax on Total amount of 10, 000/-

How Razorpay can charge Fee and Tax on the amount they didn't receive?

Why Razorpay is not paying to the merchants when customer is being paid through Cred Coins. ?

I would like to know either it is an issue with Razorpay or Cred Pay before we proceed legally. I would like to inform all of our customers whoever we referred to stop using Razorpay until the issue is resolved, also our customers not to pay through Razorpay.

Please find the attached screenshots for more details.

Thank You