$quote = Mage::getModel('sales/quote');
 $quote->setCheckoutMethod('guest')->save();
 $quote->setStore($store);
 $quote->setForcedCurrency(Mage::getModel('directory/currency')->load($storeCurrency));
 foreach ($productInCardList as $productItem) {
    $product = Mage::getModel('catalog/product')->load($productItem['id']);
    $product->setPrice($productItem['price']);
    $request = new Varien_Object();
    $request->setQty($productItem['qty']);
    $quote->addProduct($product, $request);
 }

 $quote->collectTotals();

 $quote->reserveOrderId();
 $quote->save();
 $service = Mage::getModel('sales/service_quote', $quote);
 $service->submitAll();
 $orderObj = $service->getOrder();
 // ... code setting billing, shipping address, payment and shipping method.