Amount is not credidate to receiver account through phone pay app..But bank & phone pay support team

Respected sir; I send money through phone pay on protected January protected at.1.protected PM .but at that time transactions shows pending but on date protectedJanprotected transactions shows paid to receiver account. But actually money is not credidate to receiver account Today I also cheak receiver account statement but money is not credidate to receiver account. Phone pay support team said that bank give him conformation sms for paid money..and they cant help me.... And bank also not take responsibility for this transactions because bank said PHONE PAY is a third party app.and they cant help me.. Both are doesnt take any responsibility for this transactions... So my qestion is that sir Why government give permission to such a app that make online transactions??? And this app cant help customers for such a condition... And PM sir give More and more stress on online transactions... But When such a problem occur who help the customer.... So protected days are over but my problem is still pending and not solve..... So what can I do sir?? So give me appropriate suggestion for solving this problem... Please help me sir..... Transaction I'D is Pprotected RS..protected Tran.date.protected/protected/protected Bank reference id is protected Your FAITHFULLY 💥💥💥 My self:Mr.Nitin Bhaskarrao Amrute At post khed .Tq.Morshi Dist Amravati .Maharashtra protected Mobile no protected 💥💥💥💥 My account no. protected Branch code protected Receiver account no.protected Branch code.or ifsc SBINprotected My qestion is ..WHY RBI GIVE PERMISSION FOR SUCH APP LINKING BANK ACCOUNT OR ONLINE PAYMENT? WHICH SYSTEM IS CRIETED WHEN SUCH A PROBLEM ACCOUR???? PLEASE give me sugession....ans slove my problem... 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏