As Lee said: if your Terms & Conditions (TAC) states that you do not give refunds then you do not have to - he was asked to agree to your conditions before signing-up, and he did.

Next comes the fact that most people, especially THAT type, do not want others to know he spanky his wanky, especially when it means the issue will be brought to his 'office'.

However, (here comes the crappy part) you may want to proceed with the credit, simply to save yourself the risk of a charge-back. Heck, give him a partial credit (charge what you normally do or would for a multi-day trial subscription, or divide the subscription fee by the subscription period and multiply by days accessed/'used' $30.00 for 30-days = $1/day).

Guess it all depends on how deep you want to dig the spoon in to the pinhead's chest (piss the guy off).

Whenever I get meatheads like that (that assume they can threaten me just because of their 'occupation'), I graciously honour their refund 'demand', but only AFTER, I've submitted my 'add subscriber to the negative list' (aka: blacklist) request to the nice people at Paycom, and they've processed it (more or less all requests are processed).

The best part is when they contact me back with "WHAT HAVE YOU DONE TO ME.."
who, lil ole me?