Poor communication

So, here is where it all begun. I purchased a duvet inner at Mattress Warehouse online, smooth transaction then I thought let me get another bulk duvet inners using ZeroPay. They deducted R533 and to be debited monthly for 3 months and I am happy with that. Then Mattress Warehouse called me to confirm the order however the order using ZeroPay does not reflect on their side then I after a week Mattress Warehouse confirmed that they still have not received the payment from ZeroPay and they ordered the duvet inner I purchased in cash. Two weeks later, I receive the duvet inner and I am not quite happy with it then decided to cancel the bulk order I paid for using ZeroPay, that was in March 2023 because in any case the money was still not reflecting on Mattress Warehouse side and asked them to refund me. Well, I send an email to ZeroPay to cancel the order and on that same day Tshepo very helpful guy from Mattress Warehouse called to confirm that the funds are now reflecting and I told him I still want to cancel the order and I would like a refund. Quite a stressful process which took more than 2 weeks to refund which went back to ZeroPay as it was the method I have used to purchase the bulk duvets. Now, ZeroPay contacted me to inform me that they have received the refund from Mattress Warehouse and they money will reflect on my bank account in 7-10 days. I am happy with that. Hmmm, this morning I receive a refund of R405 now I am in shock to learn that they tried to debit my account when they already knew I have cancelled the order already and they cannot, they will not, they shall not deduct any penalty due to them not updating their system immediately after learning that I have cancelled the order before it was even processed. ZeroPay, please I want my R125 it equates 6 litres of petrol. Kindly refund me ASAP.