Yes, after sending a test transaction via DPM, it seems I have no ability to create a customer from that, even though they provided all the information required to become a CIM customer.
I guess this is a limitation or misunderstanding on my part of DPM. I'm now researching my next best ability without using AIM. I could have the business register before hand on my site, and then load them onto a new form for credit card information. Then when they submit that, I can fire off a CIM request via jquery ajax. I hope jQuery has the ability to bundle an outbound XML request, because this way I can already have all the name / business name ready in the XML ready to fire, and append the credit card information into the AJAX request. This means the credit card never touches me, but still gets to authorize.net.
Then using the silent POST, I can react to the client that way. Then in the backend of an account creation, I can use the CIM profileRequest API and what not to setup a monthly payment.
If that makes sense :)
Off topic, where is the JSON requests / response options? Isn't JSON so much easier these days?