I was about to ask if there is an update for I wish that it will display a message like "This transaction has been declined by the card issuer. Please try again with a different card or contact the card issuer to authorize the payment"
Are you sure it's not a bot or Agent?
I've used Authorize.net for 20+ years and I setup client e-commerce sites with Authorize.net. I've never observed this being an issue, and there are customers doing 250k month in transactions.
You can't fix stupid. Normal people might try the card twice.