Pay2Cell service, be carefull with closed account!

I paid a person using the Pay2Cell service and the money I paid ended in a closed account. It is offered as a convenient way to make a payment to another FNB account holder with the benefit that you don't need to share account details. Now FNB is asking for me to request a reversal that would cost me more than the amount I originally was paying and they are also refusing to pay the person that had the closed account. Normally if a person does not have an account in the bank it indicates that no account was found and the payment is rejected, however, they forgot to implement the possibility of the account being closed.