The global for enabling shipping is set to true. That's the first thing I checked.
Regarding the CC - it says Transaction denied (or failed? not sure) - but it happens right after I fill out the billing information and hit checkout. I have all the globals filled out so that it will go through authorize.net with NO sandboxing or testing enabled. Because I have authorize.net's own testing set to on, so I can check to see if anything even makes it to authorize.net's server, but it seems it doesn't even make it to them.
What should I check now?
Maybe you have the global for shipping in general set to false?
$WAGLOBAL_Shipping_Enabled = false; //set to true if you intend to use shipping rate lookup.
Where does it say your cc is incorrect? Is that the validation message or is that on the checkout_failure page? I would not suggest regenerating anything until you understand the problem better.