Why would I know these things?
Because you're doing business in this industry. It literally is your job to know these things.
I've had success just using Paypal for everything.
And you don't even know what protections it does (or doesn't) provide to you and your customers. Another example of your general incompetence.
r u a wizard?
Yes. Knowing what you're doing is magical.
And yes you can 'try' to file a dispute with paypal.
OK. You got me. Of course, you can also "try" looking in the mirror and demanding a refund from your reflection, which would take less time and have the same result.