It is highly desirable to show the actual problem to the customer or at least show a message "Your payment was not approved by your bank", so that it is clear that the problem is not with our payment system.

My experience trying to settle a problem for a student:

• press "Buy with 1-click" while there is a payment method on file
• the form changes to "Enter your payment method"
• in Stripe I see that the card was declined because of NSF