@chadcrew the client has done several live credit card check now, and (hasn't provided full info) said it "can't process transaction"--just requested full details of error; i'll get those later hopefully.

I think the error has to do with having enabled 'anon' purchases.... I know the module specifies that 'anonymous' purchases are not supported, however the site I'm working is solely based on purchasing memberships (free trial followed by recurring), so you must be anonymous to purchase a membership (role)...

basically what happens, is anon user purchases a membership, if credit card is successfully charged, then his/her account at the time of successful checkout gets created and assigned a membership role...

(free trial for 7 days, then on 8th it gets billed full amount... followed by recurring billing each month for full amount)