I suggest you take the form and modify it to 'bill you in a few days' or 'store closed due to fire' notification.
tell them on the page that the credit card company is down for the day due to natural disaster and will be back up tomorrow.
let them know or they will freak out. Tell them there is a fire?
switch to 2checkout, ccbill, paypal, or any other one for the meantime.
Lots of yelling about backups....do you have a back up plan in case your credit card provider goes down?
Today is your test.
I never thought of making a backup provider for disaster issues, just for business issues like they sux or they drop me. But this is just another reason to have a whole 'nother module set up as back up.
Rule #1 in business (any business):
Always have a back-up plan.
No matter if that means:
Backup Credit Processor
Backup Network Connectivity
Always have another way to continue doing business. Never rely solely on a single resource, no matter what it is. Exactly why I don't do business with one-man operations... What if they get hit by a truck crossing the street? (That's an example, not meaning Authorize.net is one man.. They are huge)