Okay, I am seeing the issue on why it will not work. I am not using the standard workflow. I am using "login,address_shipping_payment_confirm_coupon_cart_status_fields,end" The reason is that with the SIM version of the authorize.net it asks for the Credit Card data on the registration screen, which is lost when you click register. Moving it to its own step removes the issue from the "user experience" (BTW, with user registration confirmation on (i.e. the test site) you also lose which selection they make and the refresh of changing selection causes a submit.)
In this case though, the screen for entering the CC details is Step=1 and when you press next you stay in step 1, it does not advance. If I change the flow yet again to "login,address_shipping_payment_coupon_cart_status_fields,confirm,end". I get the confrim view and it is step 2.
So, where the confusion happens is on entering the CC data and pressing enter the software does not advance a step, it refreshing the screen with PAN truncation on the card data. In request I was erroneously calling that a confirmation screen.
So, with all of that (hopefully it makes sense) do you have any suggestions?
TCW