I was finally able to login with a secondary account.
Joss, I have previously generated the codebook via the the script
regen-codebook.php as per installation instructions.
[hostname.server.com]# php regen-codebook.php -run /home/yescomus/public_html/secure
I also noticed that the password that one needs to set for the newly created user, x-payment password field only understands upper, lower case characters and numbers. Previously, I was using symbols like $, ! @ on the password I was trying to set when activating the account. I use the site below to generate a random password that contained only characters and numbers..
http://www.pctools.com/guides/password/
Show Phonetics
e.g. Alpha - Bravo - Charlie) Include Letters
e.g. abcdef) Include Mixed Case
e.g. AbcDEf) Include Numbers
e.g. a9b8c7d)
Thank you
Joss for the help and making the appropriate suggestion. You Rock!