api_authenticate returns error 20, Unknown username/password

I decided to not use the authenticate and use the usertoken instead.  instead of the xml, I used the URL approach, and for that I was having issues with the multiple records being handled by QB.  It kept coming back and saying 1 record input, regardless of how many were included.

The solution involved adding a carriage return after each data row ("'r'n ").  Then I had issues with strings, but encapsulating them in double quotes fixed that.

Saga over for now... :)  Thanks for the help Dan.