There are a number of postings that talk about Credit Card Authorization and Online Services but I found a good posting at
https://community.dynamics.com/gp/b/gprosesolutions/archive/2011/03/29/docreditcardauthorizationactivity-error.aspx
However, there is one major piece that I did not find here and it was related to the solution as posted.
If all you do is goto Microsoft Dynamics GP > Tools > Customization > Customization Maintenance you will be frustrated as you really need to got to Microsoft Dynamics GP > Tools > Customization > Customization Status
However, if you only do this, it will not work. You have to complete the removal of the Online Services completely from the system.
Remove lines in the Dynamics.set and DynUtil.set related to the 6449 Dictionary, both above the Windows line, and the 3 lines below, and remember to set the counter at the top of the file to Number-1.
Next, you have to remove the .dll files from the GP folder. The critical one is from the Addins folder - and is the GP Online Services dll
Found that if I did everything else, but not this last step, nothing mattered.