Refund Issue

I bought a cooler bag at MrP Home Benmore, I retured it 20 minutes later because the lady I bought it for did not like it as the material was very thin and flimsy. Upon requesting a refund I was told they could not help me as I paid with my virtual credit card all they could do is allow me to swap it for something else in the store. Surely this cannot be true. I did not want anything else in their store as I had no time to look and their store is quite small. I still have not received an email with a slip too so i dont know of i can even go and return at another store. This is really terible please advise the next steps! I am unable to reurn to this store