To the best of my knowledge, I have followed the directions on https://developers.dwolla.com/guides/offsite-gateway/direct-submit.html.
I am using my own redirect value, and from my account, my own key and my own secret, yet I still only get back the error: “Invalid application credentials.”
When trying a post to my sandbox application, I made certain that the sandbox POST was going to https://uat.dwolla.com/payment/pay and that the form field ‘test’ said ‘true’. I also made certain that my key and secret were my sandbox application key and secret.
When I posted to my real app, I made certain the POST was going to “https://www.dwolla.com/payment/pay” and that the form field ‘test’ said ‘false’. I also made certain I was using my production key and secret.
YET… even after all that carefulness I get the Invalid application credential error.
Question: Is there something that the directions on that screen assume (something not stated in the directions) that I need to add to my code?
I feel like I’m climbing uphill… 
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I forgot to change the orderid in the signature-maker to match the one in the form. Problem solved.