okay, so after a week of back/forth with my "account manager", and them offering lots of "try this, try that" help related to the different variables, they finally figured out that the API Token is the same as the AIP Key. Then after MORE "try this, try that" they then realized that an entry level account (though I had paid into my account to get a step above the FREE/testing status) can't send MMS messages. You have to get a credit approval to send those - 3 years of financial statements was one of the requirements. I immediately asked for my remaining funds to be refunded and stopped messing with this nonsense. The documentation terminology is not consistent, and it should require a full IRS audit and a doctorate in Rocket Science to get a test MMS to work. To Sam - thanks for the help, I do appreciate it. Very sorry this didn't work out.
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