Question about buyer action...

I have an add running for a component. The add does not state state free shipping as it is set up for buyer to pay his own actual shipping. Size and weight of component was listed as well as a carrier local to me. Buyer messaged asking if I would include shipping in the price as he was not comfortable using a VISA on line for the label. I replied back I was not interested in changing the add and preferred to leave it as advertised. He then purchased the item via Paypal and added the estimated shipping cost with NO INSURANCE to the Paypal amount. So now when I go to the buyer generated shipping label, it ask me for a VISA to pay for it.  I am not comfortable with the way this was handled, so I attempted to call the number he had listed. It is a place of business that is closed. So far he has not responded to my A-gon messages. I am inclined to dispute this sale. What does everyone think?...