Payment decline explanations

It would be nice if customers can see brief explanation of why their payment gets declined instead of just plain text “payment declined” because it takes a lot of time for merchants to look around for reasons why it got declined so we can explain to customers.
For example, it could be something like this:
“Payment got declined because you are banned from tebex”
“Payment got declined because we don’t accept this and that”
“Payment got declined due to fraud protection”
etc