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Checkout onepage is http instead lf https, not ssl - unsecure, not secure
We think it happened around the time of upgrade to 1.4, but cart and checkout are now using http instead of https. If we manually change the url to https on onepage, it won’t get past the billing address.
Our secure/unsecure url’s are correct under System > Configuration > General > Web, and also in the core_config_data table in the database.