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If you are attempting to gift games to other people who are in different regions to your own, there are several different types of restrictions on that, and the method you use for payment. Stop trying to gift games to others who are in regions where any restrictions probably will apply - like Russia or Germany.
By the way, it's not a fraud suspicion as much as it's a rate limiting function to keep people from flooding the checkout process and preventing it from working for everyone else. I trigger it from time to time. I just walk away for a couple hours to let the cooldown expire and I'm good to go.
it would be great if it could be mentioned in the FAQ about gifting
And when you say repeated attempts, you mean you tried, hit a brick wall, and then tried again, over and over.... ?