[Alert] Major issue in Refunds via UPI mode , even payment gateway is clueless .

First of all to inform you if you are doing payments with UPI then you can understand this issue better .
also here i am talking about only merchant payment not transferring to another person .
whenever we do pay by UPI to merchants by entering our virtual payment address it asks to approve that payment on UPI app (bhim,phonepe etc) and when we approve that it get paid to that merchant .
but have you faced any one of these issues -
1. money debited from bank via UPI but transaction not completed or say stucked/failed .
2. if merchant cancel any order and do refund back to source , but refund not get back even after almost 2 weeks . Bcoz in UPI refunds should be faster than cards .
i faced both of these issues – in 1st case on paytm it got stucked but money debited and on bhim app showing transferred to vpa – paytm@icici , paytm told that they not received it . in 2nd case after order cancellation payment gateway refunded the money back to source but not received it 2 weeks gone , even payment gateway was helpless on this and told they have refunded it already , their CEO also shared 1 news article of medianama (www.medianama.com/2017/01/223-upi-r...ds) on the same issue .
in both cases 1 thing to notice is that both Virtual address were having@icici in last it mean bank is same for both . so might be it is fault of ICICI too .
also mailed to my bank they told no refund issued yet on those transactions .
at last when i saw above medianama article i found that many people faced this and in 1 screenshot 1 payment gateway ceo told there is no api calls for refund and only option to refund they contact their banks to process it , then yday i mailed to NPCI to check it bcoz its not only about me , all other people will be suffered bcoz of this .

if any of you faced this then you can share it here .
Also if any one who got refund successfully in UPI case then plz share your experience .