gistfile1.phtml

$url = 'https://testapi.envoyservices.com/MerchantAPI/MerchantAPI.asmx?wsdl';

// Set up the client
$soap = new SoapClient($url, array('trace' => TRUE));

$fields = array
	    (
			'auth' => array
			(
				'username' => 'hjk',
				'password' => 'kjh'
			),
			'requestReference' => 'jhfg'
	    );

try
{
            // Call repeat card method
            $response = $soap->__soapCall('payToBankAccountV2', array('df'));
			
}
catch(Exception $e)
{
	// Ignore soap errors we just want to see the last request
}

header ("Content-Type:text/xml");
echo $soap->__getLastRequest();exit;