diff --git a/changelog/feat-9810-add-seller-message b/changelog/feat-9810-add-seller-message
new file mode 100644
index 00000000000..2669c24015b
--- /dev/null
+++ b/changelog/feat-9810-add-seller-message
@@ -0,0 +1,4 @@
+Significance: minor
+Type: add
+
+Add seller_message to failed order notes
diff --git a/includes/class-wc-payment-gateway-wcpay.php b/includes/class-wc-payment-gateway-wcpay.php
index 4f579caf2b1..d1be21241b9 100644
--- a/includes/class-wc-payment-gateway-wcpay.php
+++ b/includes/class-wc-payment-gateway-wcpay.php
@@ -20,7 +20,19 @@
 use WCPay\Constants\Intent_Status;
 use WCPay\Constants\Payment_Type;
 use WCPay\Constants\Payment_Method;
-use WCPay\Exceptions\{ Add_Payment_Method_Exception, Amount_Too_Small_Exception, Process_Payment_Exception, Intent_Authentication_Exception, API_Exception, Invalid_Address_Exception, Fraud_Prevention_Enabled_Exception, Invalid_Phone_Number_Exception, Rate_Limiter_Enabled_Exception, Order_ID_Mismatch_Exception, Order_Not_Found_Exception, New_Process_Payment_Exception };
+use WCPay\Exceptions\{Add_Payment_Method_Exception,
+	Amount_Too_Small_Exception,
+	API_Merchant_Exception,
+	Process_Payment_Exception,
+	Intent_Authentication_Exception,
+	API_Exception,
+	Invalid_Address_Exception,
+	Fraud_Prevention_Enabled_Exception,
+	Invalid_Phone_Number_Exception,
+	Rate_Limiter_Enabled_Exception,
+	Order_ID_Mismatch_Exception,
+	Order_Not_Found_Exception,
+	New_Process_Payment_Exception};
 use WCPay\Core\Server\Request\Cancel_Intention;
 use WCPay\Core\Server\Request\Capture_Intention;
 use WCPay\Core\Server\Request\Create_And_Confirm_Intention;
@@ -1270,6 +1282,9 @@ public function process_payment( $order_id ) {
 				);
 
 				$error_details = esc_html( rtrim( $e->getMessage(), '.' ) );
+				if ( $e instanceof API_Merchant_Exception ) {
+					$error_details = $error_details . '. ' . esc_html( rtrim( $e->get_merchant_message(), '.' ) );
+				}
 
 				if ( $e instanceof API_Exception && 'card_error' === $e->get_error_type() ) {
 					// If the payment failed with a 'card_error' API exception, initialize the fraud meta box
diff --git a/includes/class-wc-payments.php b/includes/class-wc-payments.php
index 17300478794..fff5b9bb591 100644
--- a/includes/class-wc-payments.php
+++ b/includes/class-wc-payments.php
@@ -354,6 +354,7 @@ public static function init() {
 
 		include_once __DIR__ . '/exceptions/class-base-exception.php';
 		include_once __DIR__ . '/exceptions/class-api-exception.php';
+		include_once __DIR__ . '/exceptions/class-api-merchant-exception.php';
 		include_once __DIR__ . '/exceptions/class-connection-exception.php';
 		include_once __DIR__ . '/core/class-mode.php';
 
diff --git a/includes/compat/subscriptions/trait-wc-payment-gateway-wcpay-subscriptions.php b/includes/compat/subscriptions/trait-wc-payment-gateway-wcpay-subscriptions.php
index 31ec70bedf8..d2584f9b824 100644
--- a/includes/compat/subscriptions/trait-wc-payment-gateway-wcpay-subscriptions.php
+++ b/includes/compat/subscriptions/trait-wc-payment-gateway-wcpay-subscriptions.php
@@ -11,6 +11,7 @@
 
 use WCPay\Core\Server\Request\Get_Intention;
 use WCPay\Exceptions\API_Exception;
+use WCPay\Exceptions\API_Merchant_Exception;
 use WCPay\Exceptions\Invalid_Payment_Method_Exception;
 use WCPay\Exceptions\Add_Payment_Method_Exception;
 use WCPay\Exceptions\Order_Not_Found_Exception;
@@ -342,6 +343,11 @@ public function scheduled_subscription_payment( $amount, $renewal_order ) {
 			$renewal_order->update_status( 'failed' );
 
 			if ( ! empty( $payment_information ) ) {
+				$error_details = esc_html( rtrim( $e->getMessage(), '.' ) );
+				if ( $e instanceof API_Merchant_Exception ) {
+					$error_details = $error_details . '. ' . esc_html( rtrim( $e->get_merchant_message(), '.' ) );
+				}
+
 				$note = sprintf(
 					WC_Payments_Utils::esc_interpolated_html(
 					/* translators: %1: the failed payment amount, %2: error message  */
@@ -358,7 +364,7 @@ public function scheduled_subscription_payment( $amount, $renewal_order ) {
 						wc_price( $amount, [ 'currency' => WC_Payments_Utils::get_order_intent_currency( $renewal_order ) ] ),
 						$renewal_order
 					),
-					esc_html( rtrim( $e->getMessage(), '.' ) )
+					$error_details
 				);
 				$renewal_order->add_order_note( $note );
 			}
diff --git a/includes/exceptions/class-api-merchant-exception.php b/includes/exceptions/class-api-merchant-exception.php
new file mode 100644
index 00000000000..ac10bd271bc
--- /dev/null
+++ b/includes/exceptions/class-api-merchant-exception.php
@@ -0,0 +1,49 @@
+<?php
+/**
+ * Class API_Merchant_Exception
+ *
+ * @package WooCommerce\Payments
+ */
+
+namespace WCPay\Exceptions;
+
+defined( 'ABSPATH' ) || exit;
+
+/**
+ * Class extending API_Exception to include the error message for merchants only.
+ */
+class API_Merchant_Exception extends API_Exception {
+	/**
+	 * Merchant message. This message should not be shown to shoppers.
+	 *
+	 * @var string
+	 */
+	private $merchant_message;
+
+	/**
+	 * Constructor
+	 *
+	 * @param string          $message    The Exception message to throw.
+	 * @param string          $error_code Error code returned by the server, for example wcpay_account_not_found.
+	 * @param int             $http_code  HTTP response code.
+	 * @param string          $merchant_message The merchant message. This message should not be shown to shoppers.
+	 * @param string|null     $error_type Error type attribute.
+	 * @param string|null     $decline_code The decline code if it is a card error.
+	 * @param int             $code       The Exception code.
+	 * @param \Throwable|null $previous   The previous exception used for the exception chaining.
+	 */
+	public function __construct( $message, $error_code, $http_code, $merchant_message, $error_type = null, $decline_code = null, $code = 0, $previous = null ) {
+		$this->merchant_message = $merchant_message;
+
+		parent::__construct( $message, $error_code, $http_code, $error_type, $decline_code, $code, $previous );
+	}
+
+	/**
+	 * Returns the merchant message.
+	 *
+	 * @return string Merchant message.
+	 */
+	public function get_merchant_message(): string {
+		return $this->merchant_message;
+	}
+}
diff --git a/includes/wc-payment-api/class-wc-payments-api-client.php b/includes/wc-payment-api/class-wc-payments-api-client.php
index b3adf5bf7eb..e90094d57de 100644
--- a/includes/wc-payment-api/class-wc-payments-api-client.php
+++ b/includes/wc-payment-api/class-wc-payments-api-client.php
@@ -9,6 +9,7 @@
 
 use WCPay\Constants\Intent_Status;
 use WCPay\Exceptions\API_Exception;
+use WCPay\Exceptions\API_Merchant_Exception;
 use WCPay\Exceptions\Amount_Too_Small_Exception;
 use WCPay\Exceptions\Amount_Too_Large_Exception;
 use WCPay\Exceptions\Connection_Exception;
@@ -2419,6 +2420,13 @@ protected function check_response_for_errors( $response ) {
 			);
 
 			Logger::error( "$error_message ($error_code)" );
+
+			if ( 'card_declined' === $error_code && isset( $response_body['error']['payment_intent']['charges']['data'][0]['outcome']['seller_message'] ) ) {
+				$merchant_message = $response_body['error']['payment_intent']['charges']['data'][0]['outcome']['seller_message'];
+
+				throw new API_Merchant_Exception( $message, $error_code, $response_code, $merchant_message, $error_type, $decline_code );
+			}
+
 			throw new API_Exception( $message, $error_code, $response_code, $error_type, $decline_code );
 		}
 	}
diff --git a/tests/unit/wc-payment-api/test-class-wc-payments-api-client.php b/tests/unit/wc-payment-api/test-class-wc-payments-api-client.php
index 3fc4a56c8f6..fb95bcf1591 100644
--- a/tests/unit/wc-payment-api/test-class-wc-payments-api-client.php
+++ b/tests/unit/wc-payment-api/test-class-wc-payments-api-client.php
@@ -7,7 +7,9 @@
 
 use WCPay\Constants\Country_Code;
 use WCPay\Constants\Intent_Status;
+use WCPay\Core\Server\Request\Create_And_Confirm_Intention;
 use WCPay\Exceptions\API_Exception;
+use WCPay\Exceptions\API_Merchant_Exception;
 use WCPay\Internal\Logger;
 use WCPay\Exceptions\Connection_Exception;
 use WCPay\Fraud_Prevention\Fraud_Prevention_Service;
@@ -1195,6 +1197,24 @@ public function test_get_tracking_info() {
 		$this->assertEquals( $expect, $result );
 	}
 
+	public function test_throws_api_merchant_exception() {
+		$mock_response                  = [];
+		$mock_response['error']['code'] = 'card_declined';
+		$mock_response['error']['payment_intent']['charges']['data'][0]['outcome']['seller_message'] = 'Bank declined';
+		$this->set_http_mock_response(
+			401,
+			$mock_response
+		);
+
+		try {
+			// This is a dummy call to trigger the response so that our test can validate the exception.
+			$this->payments_api_client->create_subscription();
+		} catch ( API_Merchant_Exception $e ) {
+			$this->assertSame( 'card_declined', $e->get_error_code() );
+			$this->assertSame( 'Bank declined', $e->get_merchant_message() );
+		}
+	}
+
 	/**
 	 * Set up http mock response.
 	 *