09-07-2013 04:03 PM
1)you are correct. testmode only do simple cc# mistype validation.
2)you will not know if the payment profile is valid until you ran a transaction with it. about the transaction fees you need to talk to your merchant bank.
3)to use with livemode, with cvc code the transaction fee will be less.
4)It on the merchant settings, I think is the user administration, and setup a user as use this person email as sender