$options = [
'login' => 'log',
'password' => 'pas',
'trace' => 1,
];
$client = new SoapClient('https://exaple/', $options);
$ap_param = array('transaction' => '1', 'data' => ['amount' => 10000, 'card_number' => '4276520014752410']);
$info = $client->__soapCall('pay', json_encode($ap_param));