array(0) { } {"@attributes":{"stat":"fail","version":1,"err_code":1},"err":"Invalid API key or user key"}array(0) { } array(13) { ["first_name"]=> NULL ["last_name"]=> NULL ["email"]=> NULL ["phone"]=> NULL ["country"]=> NULL ["address"]=> NULL ["city"]=> NULL ["state"]=> NULL ["zip"]=> NULL ["action"]=> NULL ["notes"]=> NULL ["pilot-yes"]=> NULL ["pilot-no"]=> NULL } string(37) "recieved following from post to php: " array(0) { } NULL string(21) "charging bank acct..." string(1) " " Transaction Failed Error code : E00003 Error message : The element 'bankAccount' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd' has invalid child element 'nameOnAccount' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'. List of possible elements expected: 'accountType, routingNumber' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'.