Zaakpay.com — ticket cancelled but money not credited in bank

I booked a ticket at irctc connect app but got Waitlisted ticket and cancelled it on 27-Apr-2018 and as per irctc money has been refunded on 28-Apr-2018 but the money is till now not been credited in my account. The payment mode was by zaakpay. Irctc is also providing a refund reference number. Now neither irctc nor bank are entertaining my concern as the payment is pending from zaakpay.
Please help.