<?
$formData = [
    'cvc' => '123',
    'backUrl' => 'https://secure.openbank.ru/openapi/deploy/open_site/index.html?partnerId=open_site&sessionId=',
    'serviceId' => '1182',
    'language' => 'ru',
    'currency' => '643',
    'email' => '[email protected]',
    'isMobile' => 'false',
    'serviceParams' => [
        "fio" => 'Банк Открытие',
        'account' => '410013776434355',
        'address' => '115114, г. Москва, ул. Летниковская, д. 2, стр. 4',
        'description' => '',
        'receipt' => '',
        'regionName' => 'Саратовская обл.',
        'rbs_partnerId' => 'open_site'
    ],
    'pan' => '1234567890123456',
    'expiry' => '123456',
    'amount' => '10.00',
];
print_r("https://secure.openbank.ru/openapi/deploy/3.6/open_site/payment.do?".htmlentities(http_build_query($formData)));
?>