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Zombaio and others do this all the time, without contacting the paysite first. Those who claim that it's only $19 and that it's done in your own interest don't have a clue... it's a matter of principals. Don't make things too easy for these freeloaders, if your server stats proof that the member accessed your site and downloaded your videos then the card holder should be confronted with that.
For some of our sites we do have our own merchant account and there you have the same problem; people demand a chargeback through their banks after they accessed our sites. We always contact these card holders and tell them we will send a list of all their video downloads to their bank and sometimes that's enough for them to withdraw their dispute. If they don't, we really do send the list of downloads to the bank and this list will end up at the card holders banking branch. Then at least they know their well respected customer is a porn addict.
What I hate most about the Zombaio thing is that they NEVER close an account when doing a refund, you have to remove the password from the htpasswd list yourself.
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