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^^that's crazy high
I don't know if you've found the issue has sorted itself out, but the one I can think of is that perhaps the majority of your attempted sign-ups are US-based and don't have international online purchases enabled? I get the odd Code 5 decline, even from long time regulars who book high volumes frequently so I suspect it may be an issue other than simple geography though, perhaps they just enter a cc detail incorrectly. They always reattempt and the payment processes like normal. My decline rate amongst new users doesn't seem to be any higher than normal lately...have you contacted zomabio to try to find out what's up?
Good luck with it, getting so many declines must be hella frustrating
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