Hi Ray, I established a checkout based on your wizard the other week, which is working fine, the only problem was I never tried American Express until we had a few failures and spoke to the customers and they we're using AMEX
1. The first problem we had was the default value for American Express, it should be AMEX not American Express in our part of the world anyway, so I fixed that.
2. The next problem was this result which is pretty clear, the only confusion I have is all the other cards are accepting AUD why not AMEX, any ideas. It might be a paypal setting, but you might have come across it
<LongMessage xsi:type="xs:string">Your processor is unable to process the Card Type in the currency requested. Please try another card type.</LongMessage>
I've checked my code and $PP_DirectPayment is set to AUD