I just got off the phone with Authorize.Net customer service.
Here's the deal: In the sample code, they have a reference to a server named:
https://test.authorize.net/gateway/transact.dll
This url is for developer accounts only. In other words, if you have a normal account that is intended to process credit cards, this server is not for you, even if you want to run some test transactions.
You should use this server instead:
https://secure.authorize.net/gateway/transact.dll
If you want to test a transaction, send x_test=true, or log in to the account at Authorize.Net and set the account to TEST MODE, or both.
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