How To Create A Credit Card Decline Template

To create a template:

Company Tab > Templates >  > Email Template

Fill in all of the fields.  In the second field option, Group Type, choose "Customer - General".

To send the email, select the client you want to send to. On the Customer Profile > Go to Actions and Add Note.

On the note type, select Email. In the "Change Template Email" box, select your template.

Submit to send.