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  1. or download this
    class CreditCardType {
    var $cc_id = null;
...
        $CreditCard->cc_month = "12"; // mandatory
        $CreditCard->cc_year = "2014"; // mandatory
  2. or download this
    $soap = new SoapClient("https://merchant.paytoo.info/api/merchant?wsdl
+", array("classmap"=>array("AccountType"=>"AccountType", "CreditCardT
+ype"=>"PaytooCreditCardType")));
  3. or download this
    $response = $soap->CreditCardSingleTransaction($CreditCard, $Customer,
+ $amount, $currency, $ref_id, $description, $addinfo);