इस मंज़िल पर मिलने वाले, उस मंज़िल पर दोस्त बन जाते हैं

I had booked a ticked via IRCTC but train was cancelled, so I had filed a TDR.

When I go to refund site (click here it shows me this as status.

Refund Status...
more...

FOR PAYMENT TO ZONAL RAILWAY TRAFFIC ACCOUNT
Refund Approved Date 05/06/2022
Refund Amount (Rs.) 2120
Payment by Traffic Accounts Office
Mode of Payment APO
Pay Order Series B
Pay Order No. xxxxxx
Pay Order date 12/JUN/2022

What does this mean?

Do I have to go to some station to collect money? Or it will come to my bank account directly? If at station, then which station?
OR
Have they issued a Pay Order? Will it come to my home?

What is RAILWAY TRAFFIC ACCOUNT?

Why is TDR process so complicated and time consuming?