Zaakpay.com — irctc payment not refund

I booked tatkal ticket but it was waiting ticket so i canclled it but after 1 week money didnot back irctc shows that they refunded zkpy bank on 16/02/2019 after 4 days it not refund so please help me as soon as possible and tell me what is the reason for late refund timing other paymet methods are so easy and refund on time

Transactio id -[protected]
Refund id - [protected]
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I cancelled a ticket through irctc.com but the money didn't get credited to my saving bank account . On irctc getting a message as the money has been refunded to zkpy bank.
Transaction Id [protected]
I have not received the refund yet, its showing 760rs refunded on irctc website on 08.02.2018 but its not credited yet in my bank account. CancellationID /RefundID [protected]

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