Hi @smith64fx,
This is an indication that the customers who are trying to pay are not providing the required code to pass the 3DS authentication which would prove that they are the owner of the card and therefore allowed to make purchases with said card.
While it’s possible that these are just distracted users, having a high amount of such transactions is most likely an indication that someone or some group of people are using your site to run a card testing operation.
Stripe does a good job of explaining what card testing is and how to spot when it is going on in their documentation here – https://stripe.com/docs/card-testing.
They also provide some suggestions with regards to preventing card testing on your site.
You can find some additional information here – https://woocommerce.com/document/payments/faq/card-testing/#section-1. Even though the documentation concerns WooCommerce Payments, the advice there can be applied in your case as well