So here is whats going on ... I order an Item ( this is in test mode fyi ) click checkout and it takes me to the authorize.net credit card form... I enter my card info and hit submit and it reroutes me back to my checkout page on my website with 2 error messages as follows :

"There has been an error processing your credit card. Please try again."
and next to that ...this :

"Your billing address is shown to the left. The billing address should match
the address on your credit card statement. You can change the billing address
by clicking the Change Address button."

But my address is the same for shipping and the credit card... here it where it gets more weird...authorize.net recieved the
order and processed it...but zencart denied it?

Any help guys and gals? Thanks