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First of all, it's not the processor, it is the bank.
The customer probably told the bank he had these charges from your site, but never used it or heard of it, whatever.
USA makes chargebacks wayyyyyyyyyyyyyy too easy to do, it takes a simple 5 minutes.
The only thing you could do is contest it and prove he accessed the site, but is all that trouble worth it for $25-$50 ? Likely not, unless you really have nothing to do.
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