Error: "This transaction has been declined"

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Short Answer:

The exact cause of this error can vary, but since this error is always from your gateway, you need to contact your gateway company for specific details and reasons for this specific error.

Detailed Explanation:

When a shopper checks out in the shopping cart, using a credit card, sometimes an error can occur such as them not having enough money on their credit card.  All of this credit card information, verification, and the charging of the card all occur on the gateway transparently to the shopper.  Every time the shopper attempts to place the order, the shopping cart software communicates with the gateway to try to process their card. 

In other words, the credit card errors in the checkout are in almost every case, generated by the gateway.  This also means that you should contact your gateway for help with most of these errors.