It looks like the answer is from the gateway. But in any case, I'm sure I should see the errors on the resulting page instead of just returning to the payment page and having to find my errors in the log.

By the way, it gives the same type of errors even when I REMOVE the pem file, so I'll try to talk to linkpoint. In the mean time, I would be happy just getting the page to display the errors.

What files might I have changed somewhere else that keep this from displaying? I do see the red banner errors on this page if I insert a wrong coupon code, or other.

Looks like it may all still be related to the linkpoint setup.