Is my husband lying to me?

My bank called me to confirm some out of the ordinary charges from a few weeks back. Two of the charges were from an escort and dating service website. All of the other chargers we correct but the escort charges caught me off guard. I immediately confronted my husband & he also said he had no clue how the charges got there. We started arguing because I feel like the charges had to get there somehow but he kept denying it. Idk what to believe. My husband and I have been together for 9 years & I’ve never once suspected him of cheating. Im also pregnant with our fourth & final child and my husband literally had a vasectomy 5 days prior to the charges being made. He was still limping around when the charges happened. I also hope my husband wouldn’t be that stupid he has a PayPal and cash-app card he could easily use. Why make the purchase with our joint card? I’m due to give birth any day now & idk what to believe. My emotions are all over the place. My husband is saying our card probably got compromised somehow. I have no reason to believe he cheated. I don’t even think he was physically capable of cheating due to his vasectomy, he’s still experiencing some tenderness. But I also don’t know how the charges got there. I really don’t need this stress so close to my due date. What would you believe?