I dont know who you process with but by default, a member cannot sign up more than once using the same username and pass until the original membership is deleted manually in a given period.
Also you should be easily able to prevent duplicate credit card #'s from being used on your site in a given period. So, if you honestly dont want to take peoples money unfairly, just set this period to be 30 days. Therefore, they cant sign up more than once with either the same username or the same credit card.
again...not sure who you process with, but most places you can enable/disable this feature.
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