I have installed ActiveMerchant and carefully read the peepcode PDF. I am trying to set up my application to use the CyberSource gateway. It appears that they need a generated key installed on my server and that token needs to go in the SOAP header back to their server with my request. I have read their documentation, but they really don't have anything to say about Ruby on Rails. Problem is that I have generated the key, put it in a keys folder at the root of my application, but I still get a UsernameToken authentication failure when I submit to their test site.

Has anyone had recent experience and success using ActiveMerchant with CyberSource? Any advice on how to proceed will be appreciated. My alternatives seem to be directly coding a SOAP implementation just to talk with CyberSource, or going to a different gateway.