$xml->createTransactionRequest(array(
        'refId' => '90801855',
        'transactionRequest' => array(
            'transactionType' => 'authCaptureTransaction',
            'amount' => 31.41,
            'payment' => array(
                'creditCard' => array(
                    'cardNumber' => '4111111111111111',
                    'expirationDate' => '042012',
                    'cardCode' => '123',
                ),
            ),
            'order' => array(
                'invoiceNumber' => '1360116011',
                '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' => '22',
            'customer' => array(
               'id' => '2',
               'email' => '[email protected]',
            ),
            'billTo' => array(
               'firstName' => 'john',
               'lastName' => 'smith',
               'address' => '132 addy here lane',
               'city' => 'foxboro',
               'state' => 'MA',
               'zip' => '01955',
               'country' => 'USA',
            ),
            'customerIP' => '12.123.123.123',
            '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'
                    )
                )
            ),
        ),
    ));