$xml->createTransactionRequest(array(
'refId' => rand(1000000, 100000000),
'transactionRequest' => array(
'transactionType' => 'authCaptureTransaction',
'amount' => 45.00,
'payment' => array(
'creditCard' => array(
    'cardNumber' => '4111111111111111',
    'expirationDate' => '122015',
    'cardCode' => '123',
),
),
'order' => array(
'invoiceNumber' => '123123',
'description' => 'Purchase from website',
),
'lineItems' => array(
            'lineItem' => array(
                0 => array(
                    'itemId' => '1',
                    'name' => 'item one title',
                    'description' => 'item one description',
                    'quantity' => '1',
                    'unitPrice' => '19.90'
                ),
                1 => array(
                    'itemId' => '4',
                    'name' => 'item 4 title',
                    'description' => 'item 4 description',
                    'quantity' => '1',
                    'unitPrice' => '15.00'
                )
            )
        ),
'poNumber' => '123123321',
'customer' => array(
'id' => 123,
'email' => email@website.com,
),
'billTo' => array(
'firstName' => $firstname,
'lastName' => $lastname,
'address' => $address,
'city' => $city,
'state' => $state,
'zip' => $zipcode,
'country' => 'USA',
),
'customerIP' => 12-12-12-1234,
'transactionSettings' => array(
'setting' => array(
    0 => array(
        'settingName' =>'allowPartialAuth',
        'settingValue' => 'false'
                                                ),
    1 => array(
        'settingName' => 'duplicateWindow',
        'settingValue' => '0'
    ),
    2 => array(
        'settingName' => 'emailCustomer',
        'settingValue' => 'true'
    ),
    3 => array(
        'settingName' => 'recurringBilling',
        'settingValue' => 'false'
    ),
    4 => array(
        'settingName' => 'testRequest',
        'settingValue' => 'false'
    )
)
),
),
));