Unfair Charges for eWallet Reversal

I sent an eWallet to a recipient who was unable to access the funds immediately. As a result, I needed to make alternative arrangements. I attempted to reverse the eWallet on my side using the available functionality; however, I was unable to do so. Upon contacting FNB, I was informed that in order to reverse the transaction, I would need to pay approximately R300 because the cellphone number used for the eWallet is linked to the recipient’s bank account, and the funds are now reflecting in that account.

I find this unreasonable for the following reasons:

The eWallet service provides functionality that allows a sender to reverse a transaction if the recipient has not accessed the funds. As the sender, I have no way of knowing whether the cellphone number I am sending to is linked to an FNB account. I should not be held financially responsible for internal system processes that automatically transfer the funds into an account. I am willing to pay the standard eWallet reversal fee; however, I cannot accept being charged additional fees equivalent to withdrawing funds from a bank account. The functionality is available to all FNB clients, and the inability to reverse the transaction through normal channels should not result in excessive charges to me.