"When the shopper is checking out, while paying with a credit card, the order fails and they get an error message, and/or I get an email message."

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Short Answer:

Most  error messages are self-explanatory to the shopper such as “That credit card is  expired.”  When it is not clear what the  message is, then in 99% of the time, you will need to ask your gateway provider  (or check their documentation).  If ALL order attempts are failing, then it is usually because you (or someone in your organization) have changed your password in your gateway account, but forgot to update it in your manager to match (SETTINGS  > Payment Methods).

Detailed Explanation:

Please contact your gateway (e.g. VeriSign, Authorize.net, etc…), whatever company  that may be, and ask them what that error message means.  Sometimes, you can find it in their documentation as well.  We cannot troubleshoot their errors very well, however we do tend to document the most common ones in our knowledgebase for your convenience.