The way Salesforce throws their declined credit cards does not surface them with the usual 400 level error. Unfortunately because of this we have no way in the platform to capture this behaviour.
In general we add the declined credit card if it matches these matching parameters:
^40[04]-.carts./payment-information$
If you have any questions on how to try to work around this please reach out to support@noibu.com or your CSM
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