Trouble with user manager authorize.net

I have an RB750 set up with v6.7 firmware and user manager. I sorted through several issues with Authorize on the phone and now I can go to the signup page, I am forwarded to Authorize and can put in my credit card, but get the following error:

An error occurred while trying to report this transaction to the merchant. An e-mail has been sent to the merchant informing them of the error. The following is the result of the attempt to charge your credit card.

This transaction has been approved.
It is advisable for you to contact the merchant to verify that you will receive the product or service.

The user is created in user manger, but shows $0 payment and does not set the time on the account appropriately. Any suggestions? Seems like I am getting quite far into the process, but the connection is just not being made from Authorize back to the user manager. Perhaps I am getting close to this thing being actually functional? Can anyone give me some pointers to get over this last obstacle? Please??

Someone mentioned that it might be I need an SSL for authorize.net to post the response back that the payment was successful. I searched around a couple hours and I think I generated a CSR and then downloaded a valid SSL from GoDaddy and installed it on the MikroTik. Only problem is, if I go to https:// I just get page not found. www-ssl is enabled under IP services and it is using the valid cert. I think I’m in more of a mess than before.

The other thing I see is that there is a place on authorize.net to put in a receipt response URL and select a method of post, get, or link. Is something needed there to make the transaction actually link back to the MT and credit the user account?