I've been stuck on the following step of the payment processing (Stripe if it matters) since last night, looking for anything I may be missing. Here's the directions: To use credit card plugins, you need to create a key file that contains unique encryption key for your website. It is necessary even if the plugin does not store sensitive information. In a text editor, create file with the following content (one-line, no spaces before opening <?php): <?php return '3QFb8okHukxCuizNfpzFjKhDjelhZGSgH0mZWoSpodwCE3PxYPKUmeMlk1z7PLuwCnVuHnMrvKVrLs'; save the file as key.php, and upload to amember/application/configs/ folder. This warning will disappear once you do it correctly. KEEP A BACKUP COPY OF THE key.php FILE (!) So I do this in notepad, save the file, and upload it to access/application/configs/ (I changed the named of the amember folder at installation to access). I've tried changing the permissions from the default permissions to 777 to no avail. Attached is an example of the key file I'm creating. Any assistance would be really welcome at this point. Thanks in advance.