No OP, but I had it happen to me and adding a "3DS" card verification to the checkout flow made the problem go away. The 3DS step is where they text the custome

No OP, but I had it happen to me and adding a "3DS" card verification to the checkout flow made the problem go away. The 3DS step is where they text the customer a number they have to type in to proceed. It's a pain for the customer so I only do it on newish accounts, repeat customers don't get bothered.