sod’s law, I just got my first 200 in the api 
Though I must add that you guys really need to update your examples, people’s original process-payment.php needs to have variable names changed ($token = $data->token now needs to be $token = $data->sourceId), the advice needed is scattered over many pages and people’s posts/rants for help.
I have been a programmer for 40 years and even I found it a challenge to say the least.
I will be posting my own instructions to share once I clean up and close the many tabs open