“Sorry, we are not accepting payments from your region at this time”
SSL certificate required for zen-cart on a development server? You’re kidding!

I just started testing an upgrade (to v.150) on one of our development servers. I made sure it was working properly as is (v.138a in “test mode”) before starting the upgrade process. The upgrade went well and I copied in our template. Our content pages look good. Trying a purchase, uncovered a problem. After we fill in the form on the login page and hit “continue”, we get a message (on the next page, page 2 of 3, “main_page=checkput_payment”) saying “Sorry, we are not accepting payments from your region at this time”, despite the fact that our products are “virtual”, and we have “Payment Zone” set to “–none–”. We use Authorize.net (AIM), but it appears to be an almost universal problem – regardless of your product type or zone setting.

A lot of work has gone into v.150 and it is impressive. (at least, this time, they did not go through versions “a” to “h”!)
However, I was ready to recommend NOT upgrading to v150 if we cannot make a test purchase in “test mode”, on a test/development server.

I decided to look, and found the bug … in
includes/modules/payment/authorizenet_aim.php

The bug is in the failure to recognize “test mode”.
change
if (!defined('ENABLE_SSL') || ENABLE_SSL != 'true') ...
to

  if ((!defined('ENABLE_SSL') || ENABLE_SSL != 'true') &&
       MODULE_PAYMENT_AUTHORIZENET_AIM_TESTMODE != 'Test') ... 

then everything works correctly.
“Test mode” is an authorize.net feature for the purpose of working off-site – on a development server, not production … and ZC provides similar non-live modes in other payment modules.
see
includes/modules/payment/authorizenet_echeck.php
includes/modules/payment/linkpoint_api.php
includes/modules/payment/paypaldp.php

I know a lot of work has gone into v.150 and it is impressive. I would say that if all bug fixes were this easy, “life could be a dream”