IMHO instead of insulting a person by saying their card is "High Risk", they should just come to the point and have a message state "this is your first order, once your card is verified you will receive a download link". A much nicer response and doesn't lend itself to the person feeling insulted or bewildered.

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi