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OK, it looks like I've got it. Here is the gist of the solution, which pretty much follows the Walsh article and this article: http://upshots.org/php/transacting-with-authorize-net-via-php-and-curl. Thanks for the help. $params = array(); //filled wi...

Yes, I remember going through that article as well. However, if this is the model you use, I will try it again and follow it exactly.

I've been struggling with this as well. When I pass the parameters as an array via cURL to https://test.authorize.net/gateway/transact.dll, I get a "merchant login id or password invalid" error. However, if I switch it back to sending a url encoded s...