State Bank Of India [SBI] — money stuck in payment gateway

This is one nuisance with SBI every bloody time. Even with UPI payments, it gets stuck if one of the parties has an SBI account. Imagine the chaos that gets created when let's say one of them is a merchant and the other owes money to them. Now no one knows whether the money will be refunded to the source or the destination. Meanwhile the sender and receiver get stuck in arguments in which there is a double edged sword if the sender once again does a transaction and if both payments eventually land in the receiver's account. Alternatively the second time payment also gets stuck and the account of the sender gets emptied. For the last 2 days more than 7k of fund transfer from PayTM wallet to SBI has been stuck because of their retarded technical glitches and PayTM is refusing to do anything till they get a confirmation of failure from SBI. As of nowadays most banks are clearing even account payee cheques within a day and SBI no matter what will be stuck in the 19th century only. Are they to send a pigeon over from their server location to the location of the merchant? Even that takes less than a few hours!