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never experienced your situ personally as I don't offer free anything but I do know tweaking my fraud scrub to prevent card thieves while letting the good peeps get through is constant adjustment
remember client side card-issuing banks have their own scrubs as well that can change from time to time that you have zero control over, so you gotta adjust to that too, often
also pay attention to major card info breaches, for example a while back Cali payments were like toxic waste to me so many were carders after a big biz got hacked, it was very annoying while it lasted trying to block them without affecting real clients
do you have a MID or do you use an IPSP? if the latter, not much control you have over this stuff, if your own MID just keep tweaking. pay attention to trends and look at payment details for both approvals and declines to see if any patterns emerge that you can tweak to facilitate legit client payment
and fuck that 05, opaque as fuck even with your own MID
not sure this is helpful, hope so and good luck
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