<?php

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://qiwi.com/card/detect.action",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"cardNumber\"\r\n\r\n{$_GET['phone']}\r\n-----011000010111000001101001--\r\n",
  CURLOPT_HTTPHEADER => array(
    "content-type: multipart/form-data; boundary=---011000010111000001101001"
  ),
));
$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  $obj = json_decode($response);
  $data = $obj;
  print $obj->{'message'};
}