Making progress. But I did learn the Paypal's developer tools are really good. I have a new error and the error is fully detailed

https://drive.google.com/file/d/1K35...usp=drive_link

Now this is clearly NOT a RESTful PayPal but an account issue at PayPal. But below this link is the full JSON Request and Response. Very nice!

Now if I can just figure out how to set up my account to take credit cards (never had issues with the older system).