Can not get Userman with authorize.net working

ROS 6.4 x86

I have been struggling to get authorize.net to work with user manager. I just don’t get why this seems so difficult.

  1. I have valid ssl cert loaded
  2. I have public ip and dns name point to public ip
  3. I have Clock and NTP set correct
  4. I have set smtp server and verified email works
  5. I have setup authorize.net API key and ID
  6. I have logged in to authorize.net and set my public host on transaction receipt page
  7. I have enable allow online signups

User manger works with a 0 dollar account signup page loads and i can signup and get email confirmation. I remove 0 dollar account but still have 5 dollar account and all i get is

Error 400: no payment method available

I’m not new at this type of thing and have configured many services with authorize.net.
Seem to be having a hard time get user man to work Please someone point out something obvious i’m missing.