The processor returns a more detailed error message, at least Authorize.net does. It could be used in conjunction along with the other error details returned, such as "address matches, zip code does not".
Okay, I'm confused. In the addon I developed, this is exactly what is provided to the customer. See the screen-shots in the documentation (I know, documentation for cs-cart is a no-no) in the product detail page (
http://www.ez-ms.com...t-failure.html). The documentation is in the attachments area.
After viewing the problem, the upper area of the order invoice screen has a block that is similar to the "repay" block but has the billing address and CC fields so the user can correct them and resubmit immediately upon closing the pop-up that tells them what's wrong.
Any time a failed or declined order is viewed, they get the message and the dialog for making the changes it is triggered from the order status, not from the checkout sequence.