I have tried testing Ecart on my local testing sever and I am getting checkout failure pages for both the credit card and for Paypal. I did enter the API login id and the transaction key for the credit card. For Paypal I enter the in the api username,password, and signature. From what I have read you can test it on the local testing server, but this has been unsuccessful for me. Do I have to go live in order to test the gateway?