Missing payment via pay2cell not resolved

Sent money using pay2cell , little did I know the person used FNB before. The recipient said they did not receive the funds. I logged a missing payment incident but FNB cannot proceed in logging that because according to their records this person has a credit or petrol card with them. Now I can't force the person to consult with fnb ,nor can they give me the money back because their never received it.Fnb help me recover my R620, you could not help and conclude the case even when I opened a reverse funds on this.evetything is hanging on the receiptient received the money,but she said no.