It still didn’t work with a real credit card, here are some additional logs with the real credit card.
PHP v5.3.10-1ubuntu3.4 :: WordPress® v3.4.2 :: s2Member® v121023 :: s2Member® Pro v121023
Memory 34.63 MB :: Real Memory 35.00 MB :: Peak Memory 34.75 MB :: Real Peak Memory 35.00 MB
www.****.com/edit-profile?area=upgrade
User-Agent: Mozilla/5.0 (Windows NT 6.1; WOW64; rv:16.0) Gecko/20100101 Firefox/16.0
-------- Input vars: ( Mon Nov 26, 2012 11:40:49 pm UTC ) --------
array (
  'TRXTYPE' => 'R',
  'ACTION' => 'A',
  'EMAIL' => '*****@yahoo.com',
  'FIRSTNAME' => '*****',
  'LASTNAME' => '*****',
  'CLIENTIP' => '67.52.136.218',
  'DESC' => '30 Days @ $0.01 / then $0.01 USD / Yearly ( recurring charge, for ongoing access )',
  'BA_DESC' => '30 Days @ $0.01 / then $0.01 USD / Yearly ( recurring charge, for ongoing access )',
  'PROFILENAME' => '1356608449:30 D:1 Y~www.****.com~1',
  'OPTIONALTRX' => 'S',
  'OPTIONALTRXAMT' => '0.01',
  'FAILEDOPTIONALTRXACTION' => 'CancelOnFailure',
  'FAILEDINITAMTACTION' => 'CancelOnFailure',
  'CURRENCY' => 'USD',
  'AMT' => '0.01',
  'TAXAMT' => '0.00',
  'MAXFAILPAYMENTS' => '2',
  'AUTOBILLOUTSTANDINGAMT' => 'AddToNextBilling',
  'START' => '12272012',
  'PAYPERIOD' => 'YEAR',
  'TERM' => '0',
  'TENDER' => 'C',
  'ACCT' => '****************',
  'EXPDATE' => '0915',
  'CVV2' => '656',
  'STREET' => '****',
  'CITY' => '****',
  'STATE' => '****',
  'COUNTRY' => 'US',
  'ZIP' => '92108',
  'VERBOSITY' => 'HIGH',
  'USER' => '****',
  'PARTNER' => 'PayPal',
  'VENDOR' => '****',
  'PWD' => '****',
)
-------- Output string/vars: ( Mon Nov 26, 2012 11:40:50 pm UTC ) --------
RESULT=36&RPREF=RXJ5A2A543CB&RESPMSG=Transaction failed: Fail to obtain approval for the online transaction&TRXRESULT=5&TRXPNREF=EQFP7D025D47&TRXRESPMSG=Invalid merchant information: 10501-This transaction cannot be processed due to an invalid merchant configuration.&HOSTCODE=10501&TRANSTIME=2012-11-26 15:42:19&FIRSTNAME=Myles Janssen&LASTNAME=Lee Vives&AMT=0.01&ACCT=0669&EXPDATE=0915&CARDTYPE=0
array (
  'RESULT' => '36',
  'RPREF' => 'RXJ5A2A543CB',
  'RESPMSG' => 'Transaction failed: Fail to obtain approval for the online transaction',
  'TRXRESULT' => '5',
  'TRXPNREF' => 'EQFP7D025D47',
  'TRXRESPMSG' => 'Invalid merchant information: 10501-This transaction cannot be processed due to an invalid merchant configuration.',
  'HOSTCODE' => '10501',
  'TRANSTIME' => '2012-11-26 15:42:19',
  'FIRSTNAME' => '****',
  'LASTNAME' => '****',
  'AMT' => '0.01',
  'ACCT' => '0669',
  'EXPDATE' => '0915',
  'CARDTYPE' => '0',
  '__error' => 'Error #36. Transaction failed: Fail to obtain approval for the online transaction.',
)
PHP v5.3.10-1ubuntu3.4 :: WordPress® v3.4.2 :: s2Member® v121023 :: s2Member® Pro v121023
Memory 34.62 MB :: Real Memory 35.00 MB :: Peak Memory 34.74 MB :: Real Peak Memory 35.00 MB
www.****.com/edit-profile?area=upgrade
User-Agent: Mozilla/5.0 (Windows NT 6.1; WOW64; rv:16.0) Gecko/20100101 Firefox/16.0
-------- Input vars: ( Mon Nov 26, 2012 11:42:22 pm UTC ) --------
array (
  'TRXTYPE' => 'R',
  'ACTION' => 'A',
  'EMAIL' => 'jjomesd@yahoo.com',
  'FIRSTNAME' => 'james',
  'LASTNAME' => 'Jones',
  'CLIENTIP' => '67.52.136.218',
  'DESC' => '30 Days @ $0.01 / then $0.01 USD / Yearly ( recurring charge, for ongoing access )',
  'BA_DESC' => '30 Days @ $0.01 / then $0.01 USD / Yearly ( recurring charge, for ongoing access )',
  'PROFILENAME' => '1356608542:30 D:1 Y~www.****.com~1',
  'OPTIONALTRX' => 'S',
  'OPTIONALTRXAMT' => '0.01',
  'FAILEDOPTIONALTRXACTION' => 'CancelOnFailure',
  'FAILEDINITAMTACTION' => 'CancelOnFailure',
  'CURRENCY' => 'USD',
  'AMT' => '0.01',
  'TAXAMT' => '0.00',
  'MAXFAILPAYMENTS' => '2',
  'AUTOBILLOUTSTANDINGAMT' => 'AddToNextBilling',
  'START' => '12272012',
  'PAYPERIOD' => 'YEAR',
  'TERM' => '0',
  'TENDER' => 'C',
  'ACCT' => '****************',
  'EXPDATE' => '0915',
  'CVV2' => '656',
  'STREET' => '****',
  'CITY' => '****',
  'STATE' => '****',
  'COUNTRY' => 'US',
  'ZIP' => '92108',
  'VERBOSITY' => 'HIGH',
  'USER' => '****',
  'PARTNER' => 'PayPal',
  'VENDOR' => '****',
  'PWD' => '****',
)
-------- Output string/vars: ( Mon Nov 26, 2012 11:42:23 pm UTC ) --------
RESULT=36&RPREF=RXY5A2A54839&RESPMSG=Transaction failed: Fail to obtain approval for the online transaction&TRXRESULT=5&TRXPNREF=EUHPA1DF5DDE&TRXRESPMSG=Invalid merchant information: 10501-This transaction cannot be processed due to an invalid merchant configuration.&HOSTCODE=10501&TRANSTIME=2012-11-26 15:43:52&FIRSTNAME=Melanie&LASTNAME=Powers&AMT=0.01&ACCT=0669&EXPDATE=0915&CARDTYPE=0
array (
  'RESULT' => '36',
  'RPREF' => 'RXY5A2A54839',
  'RESPMSG' => 'Transaction failed: Fail to obtain approval for the online transaction',
  'TRXRESULT' => '5',
  'TRXPNREF' => 'EUHPA1DF5DDE',
  'TRXRESPMSG' => 'Invalid merchant information: 10501-This transaction cannot be processed due to an invalid merchant configuration.',
  'HOSTCODE' => '10501',
  'TRANSTIME' => '2012-11-26 15:43:52',
  'FIRSTNAME' => 'Jim',
  'LASTNAME' => 'Jones',
  'AMT' => '0.01',
  'ACCT' => '0669',
  'EXPDATE' => '0915',
  'CARDTYPE' => '0',
  '__error' => 'Error #36. Transaction failed: Fail to obtain approval for the online transaction.',
)