"Gateway Test Environment" cannot be used to test Declined Payment Method Errors
There are two types of payment gateways in Zuora: Live and Test.
When using the "Test Gateway" (Zuora) or "Gateway Test Environment" (using a Payment Gateway provider), all transactions will be Approved.
With this said, if you are trying to test card declines along with the gateway's various error messages, you must ensure you are using a "live" gateway (Gateway Test Environment checkbox UNCHECKED).
Once you are using a "live" gateway, you can use your payment gateway providers' documentation to test various errors. You would normally need to update the test card number and/or the transaction amount to receive different responses.
For example, a card with "4111 1111 1111 1111" with $3.00 authorization may return with a 400 error, and "4222 2222 2222 2222" with a $4.00 authorization may return a 503 error.
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