Yes! that was it. Sorry about that, I through that in early on in the process thinking it had to be passed through before the local checkout server behaviors were working.
Ok, so the checkout process is working, although I haven't ran it through a battery of test but it accepts my credentials and returns a success. I have noticed that now in my receipt from authorize.net it only list one item in the description? I'll try to handle that on my own.
Here is another question: I'm thinking it is better to update my database after a success is returned from auth.net. So I was thinking about having the database insert on the order confirmation page i have and have it set to insert the records before page load. Is that the best way to go about this? Or should I have the checkout redirect to a "processing page" where it inserts the data and then redirects to the order confirmation page?
Or is there just a better approach that I'm not experienced enough to know yet?