[0] => Name1,name1@yahoo.com,13,56475,,190000,,,remit,5-Mar-15,26250

[1] => Name2,name2@yahoo.com,11,11250,,22500,,,the bank,30-Apr-15,6250

[2] => Name3,name3@yahoo.com,15,,,1500,notary,,the market,7-Mar-15,1750

[3] =>Name4,name4@yahoo.com,21,25500,,46750,notary,,bank ,7-Mar-15,21350 ..... )

[0] => Name1
[1] => name1@yahoo.com
[2] => 13
[3] => 56475
[4] =>
[5] => 19000
[6] =>
[7] =>
[8] => remit
[9] => 5-Mar-15
[10] => 26250 )

[0] => Name2
[1] => name2@yahoo.com
[2] => 11
[3] => 11250
[4] =>
[5] => 22500
[6] =>
[7] =>
[8] => the bank
[9] => 30-Apr-15
[10] => 6250 ) 1 ....

$file = fopen("pay.csv","r");
while(! feof($file))
{
 echo '<pre>',print_r(fgetcsv($file)),'</pre>';
}
fclose($file);