In an attempt to move things along I have found a script in this forum and added it to my checkout_failure.php page. I then uploaded it to the live server and attempted to make a payment with the same test user and sandbox.
The result did give me some additional info on this same checkout_failure.php page as follows:
(please keep in mind that I have tested Paypal Express with excellent results... I am now trying to check out using a credit card)
Your transaction could not be completed. Either your credit card information or billing address has problems and cannot be processed
Please return to checkout and try again.
NEWLY ADDED IS:
Direct Pay Full Request :
nancy_1269061597_biz_api1.nancyelizabethdesigns.com1269061603AzKRLoJjRxrDIBlsKCasfNOuoZjfAlHXWyVYBSm5RKpYzqgs0KsFIyfm 2.20Sale15.03150.03WebAssist.eCartPHP.Pro.DPtest product 20.02110test item0.0111Test User1 Maire-VictorinTorontoONM5A 1E1CA613 2589865Visa4381758550778629032015verifiedTestUsernancy_1269364389_per@nancyelizabethdesigns.comCA
1 Maire-VictorinTorontoONCACAM5A 1E1613 2589865
789220.127.116.11fc9ae1527390f74d9482aa5c83476e2fDirect Pay Full Response :
AzKRLoJjRxrDIBlsKCasfNOuoZjfAlHXWyVYBSm5RKpYzqgs0KsFIyfm 2010-03-24T21:32:54ZFailured384360e304adInvalid ConfigurationThis transaction cannot be processed due to an invalid merchant configuration.10501Error2.20123649815.03PayPal Express Checkout requests and responses :