I have searched the threads/FAQ's, but still can not find an answer to this dilemna:

I get all the way through to step 3 "order confirmation" page and then it send me back to step 2 with the following message in a marroon box:
"Your credit card could not be authorized for this reason. Please correct any information and try again or contact us for further assistance."

ZenCart is in Test Mode: Authorize.net is in Test Mode
My hosting is through GoDaddy and I have made the necessary adjustments to my authorizenet_aim.php code.
I am typing in the test cc #, a future date in the card exp. field, and three random numbers in the CVV field.