CNG/OG - Donor Error Message: Donor's payment/donation/gift was denied due to a Front End Error, what does that mean?

What does a front end error message mean?

Front end errors:  Indicate that the donor's financial institution (Bank and/or card issuer) has declined the transaction, usually but not always due to an issue with the payment method, and that the only way to fix this is for the donor to speak with their financial institution.

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