I am in trouble help me

Few weeks ago my client deposit funds for a project which was 20% of total and send me via payoneer.
My company policy is very clear no-refunds if client cancelled project in middle of work.
Now client threatening me to refund or he will open dispute.
I am afraid, because someone tells me that payoneer always support or 90% in favor of sender's.
I don't want to lose my payoneer account. His deposited funds i utilize on buying resources and my own efforts. I can't refund.
What should i do?
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