Discovery Pay - careful when paying contacts

It’s a concern that Discovery Bank allows payments to be initiated to contacts who are not active on Discovery Pay. Normal banking practice is that a payment is rejected immediately should account numbers be incorrect. The recovery of the payment is not a simple process and the “normal” eft rejection process must be followed. No explanation about “normal” is available. My guess is that these funds reside within the Discovery banking environment, unallocated, until reimbursed to their client. My fault for not noticing the icon next to the contact details , but this payment should not have been processed by Discovery.