Is Mobikwik wallet safe and follows ethical business practices?

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I would like to know the experience of members who use Mobikwik wallet for payment of bills and recharges. I used the Mobikwik wallet to pay my credit card bill amounting to Rs 5000. I made the payment using the UPI option but the same did not reflect in the credit statement for next 3 days.

I had to raise complain on Mobikwik to ask them as to why it is taking time to which I got a revert that the same gets delayed on part of bank to credit the amount and I should wait for 72 hours minimum and the delay can be more than 72 hours.

Alternatively, I used Google pay for credit card payment using UPI and it got immediately credited within a minute and also reflected in the credit card statement online.

One more thing which I noticed was that at the time of credit of money to credit card statement I received a message that an NEFT of Rs 5000 is received against your credit card from Mobikwik.
What bothers me is that I had made payment through UPI but the payment is getting credited through NEFT.

What I feel is that the money paid through Mobikwik wallet for credit card payment is held back by their system for some short term investment and later on the same is paid to the receiving bank through NEFT.

Can members share their experience of making payment through Mobikwik wallet as I feel duped by their process.