PayPal's approach to transferring money is losing ground to providers like Revolut.
That's according to Newstalk's technology correspondent Jess Kelly, who was responding to one listener who sent money to the wrong PayPal account.
Helena Tubridy was sending €400 to her other half to pay for health insurance.
But she says her partner never got the money, as his e-mail address is 'smithjohn@gmail.com' - whereas she sent it to 'johnsmith@gmail.com'
Helena says when she contacted PayPal, there was nothing they could do - as the money was seen as a gift to the other person, and not as a payment for a bill or service.
She says she then contacted the person directly and heard nothing back.
Jess told Lunchtime Live: "It's not unheard of to be completely honest with you.
"I think it does happen - the frustration is when it's human error.
"So when something like a digit is wrong, an e-mail address is spelt wrong it can go awry."
But she says the company does have procedures in place.
"PayPal does have processes laid out in their terms and conditions - which nobody ever reads until something goes wrong.
"But the terms and conditions are if you do send something as a gift, and if it has gone to the wrong person, the first port of call is always... you e-mail the person.
"Then you can get on to their Resolution Centre, and you can report a problem.
"But you have to do it within a certain [time]frame."
However she says there's no guarantee you will get the money back.
"If they say no, they say no - because at the end of the day, the terms of service are as they're laid out.
"It's on you, the number that you put in or the e-mail address that you put in".
And Jess says PayPal's approach is losing ground to other providers.
"That's why services like Revolut for example are growing in popularity.
"Not only do you have the option of using someone's e-mail address or phone number, but there's also a username and it's instantaneous".
