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I determined that problem is from the catalog/admin dir being password protected. When I disable it, then there is no error. I really would like to have the catalog/admin dir password protected so I added the line in red but the password input box does not come up. What will password word protect the catalog/admin dir but allow https://secure.authorize.net to process the payment on the Wells Fargo payment gateway?

 

Here is my .htaccess file that is located in the catalog/includes:

 

(I added line in red).

 

<Files *.php>

Order Deny,Allow

Allow from secure.authorize.net

Deny from all

</Files>