Jason,
Ok. I will create a test server online. And sorry about overlooking the SSL. It's just that when I talked to the engineers at PayPal and mentioned that I still need to setup the SSL, they told me it was not needed for the hosted page coming in through an iframe. So I didn't even think about that being the problem.
I will assign an SSL to the test server as well and once I have it all ready, I will reply back to you in a PM with login information.
Thanks
TroyD