UPDATE !!!!!!!!!!!
Another case of simply not being informed/educated.
I FINALLY figured this one out....i think. The conclusion seems to be this:
After speaking with Authorize.net, also sending them one of my 'debug' emails to study, they tell me I simply need a merchant account......i know. Initially I believed all that was needed was the shopping cart configured correctly plus an 'Internet Payment Gateway. I thought the Authorize.net Internet Payment Gateway collected the transactions and used their own Wells Fargo acount to hold the funds that they then distribute to the client. But No ! You absolutely have to have the 3 elements - Shopping Cart - Merchant Account - Internet Payment Gateway.
I am still waiting for the merchant account info to come through so I can relay that to Authorize.net. I am assuming at this point once that info comes through and is activated that my errors will stop. I hope. I will post again one I get to that point.
Thanks for everyone's help assisting me on trying to figure this one out. I hope some of this info is helpful to other users.





