I created a second recurring for a test account while I was on the call, and we noticed at one point that one of the recurring tx was transacting consistently.  After the call, I went back to see if the other recurring was transacting, and it was not.  I noticed however that there was a CC indicator on the failed one (recurring had been saved with the 'Process credit card' checked) and compared that to the other working recurring, which did not have the CC indicator.  I went into the failing recurring tx and unchecked the 'Process credit card' checkbox and saved it.  When I used the updated recurring to generate a new receipt, the box was checked anyway, and it was successful.  All of my recurring transactions without the checkbox ticked in the template work as expected.