Yes. A total error in judgement on my part.
Good news. I got of the phone with my merchant accoutn provider. What they told me they would do is issue a credit in error, and recover the funds from the customer account. He said that customer might come back with a chargeback, but if they do just document what happened. There would be zero chance they would win in a situation like this, especially with a police report on file.
Lesson learned.  | 
