if ( !$options{'quiet'} && !$realtime_bop_decline_quiet
&& $conf->exists('emaildecline')
&& grep { $_ ne 'POST' } $self->invoicing_list
+ && ! grep { $_ eq $transaction->error_message }
+ $conf->config('emaildecline-exclude')
) {
my @templ = $conf->config('declinetemplate');
my $template = new Text::Template (