Hooper - I'm going to play devil's advocate here & since I've never run a paysite program other than thru CCBill, please feel free to shoot me down
If this guy had one signup that used a bad card, why boot him completely out of the program?
Why not inform him that sign up is going to be taken away & the reasons behind it & then just internally flag his account for future reference?
In the end it is your program & you can do as you see fit with it, but based on what's posted here (I of course have no knowledge of any fact other then that) this seems a tad bit harsh, especially towards who I assume is a newbie.
Like I said, I'm not here to start a war - just want to understand things a little better