Hello Generic!
We just figured out that the issue. 1. we had the wrong test Visa in the test client, we added the new number from Auth's website, then Matt had emailed us where to look for the erro as you have, (thank you).
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Kinda embarassing, it was right in front of us, the Gateway Log that is.
+ Auth has two different ID numbers, we had the wrong one in.
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Once we executed the changes, our test functioned as they should!!
We are now in live mode, go to go.
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Many thanks for your reply, we will look and add our forum needs in the future. Really like the WHMCS application, can't wait to see the future versions...
-BW