Congratulations. You have accidentally proven my point and they won't do business with you again with that chargeback, hence why I have said it hurts both the consumer and the merchant. They will just edit their terms of service policies for refunds and add chargeback protection on top of that and any chargebacks will result in a terminated / banned account.

I have seen many have dared to do this with digital purchases and subscriptions. For instance many have tried to services from Sony, Nintendo, Microsoft, Amazon etc and as soon as the customers got their money back, 99% they were crying and complaining that their accounts got locked and banned immediately and lost all their digital purchases due to that chargeback dispute they filed against them.

As for the merchants using Shopify, PayPal or Stripe, the moment a merchant receives tons of fraudulent chargebacks from consumers, they also start crying here on HN about their accounts and funds getting locked.

So over time, the merchants will edit their refund policies to make sure that it will be even harder to get a refund next time and put in place whatever chargeback protection systems that the payment providers have in place for these merchants hence why it hurts both of them.