If you're using an old payment module built using pre-v1.3.8a methodology, then your payment-error messages are being displayed by this block of code in your tpl_header.php template file:
Code:
if (isset($_GET['error_message']) && zen_not_null($_GET['error_message'])) {
echo htmlspecialchars(urldecode($_GET['error_message']));
}
However, newer up-to-date modules and templates display the payment-error messages in the middle section of the page, as you were asking for, using this block of code in tpl_checkout_payment_default.php:
Code:
<?php if ($messageStack->size('checkout_payment') > 0) echo $messageStack->output('checkout_payment'); ?>
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