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Of course, there are ways they could.
But get realistic about this - If, for example, someone like ccbill used an exploit to bypass your pass file and cream off the membership fees, they would be caught sooner or later.
These companies have so much to lose they simply would not try such a scam.
Look within when sign ups are down - Not at billing. Check your tours, check each link etc - Make sure everything is correct - Then look at your traffic and make sure not only is every hit a hit, but check the times surfers spend on your sites - This is where 99.9% of the problems lies - No point having 10K of traffic a day, if 95% closes the index page within 5 seconds - (for example)
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