$creditCardData = new PagSeguroCreditCardCheckout(
  array(
    'token' => $creditCardToken,
    'installment' => $installments,
    'billing' => $billingAddress,
    'holder' => new PagSeguroCreditCardHolder(
      array(
        'name' => 'João Comprador',
        'birthDate' => date('01/10/1979'),
        'areaCode' => '11',
        'number' => '56273440',
        'documents' => array(
          'type' => 'CPF',
          'value' => '156.009.442-76'
        )
      )
    )
  )
);