It was the latest version of the plugin form here. I had just installed it 11-18-15. There was definitely no authorize.net gateway, only PayPal options. And I was definitely getting a cheating uh? Message when I tried to add a fourth level. I added the plugin via my WORDPRESS dashboard so I don’t know. Didn’t have time to wait so had to get pro so I could move forward last night. Just repeated install on another site and it does have the authorize.net so apparently There was an issue on setup. The best I can tell the issue was due to making changes outside the setup wizard. My sincerest apologies.