You are 100% correct about the validation. We were able to successfully submit an order when we removed the validation completely. What I've noticed is that my options for validation types don't reflect an accurate format (from the best of my understanding) the WA selections all have a day entry i.e. mm/dd/yyyy - I've noticed from the Authorize.net specifications that they only require a mm/yy etc. is there a chance that this is erroring out because of the dd portion of the WA dropdown options? I'm out of ideas. I'd greatly appreciate a quick walk through. One other thought / question is are we suppose to also add the client side validation? We really need a positive conclusion to this issue.