///ПЕРЕВОД ПО НОМЕРУ КАРТЫ///



$ch = curl_init("https://edge.qiwi.com/sinap/api/v2/terms/99/payments"); 

curl_setopt($ch, CURLOPT_HTTPHEADER, array("Accept: application/json", "Authorization: Bearer {$token}"));

$res = curl_exec($ch);

curl_close($ch);

$data= array(

    "id"=>"'.rand(11111111111111,999999999999999999999).'", //Любой идентификатор, генерируемый у вас на сервере

    "sum"=>[

        "amount"=>"1.0", //Сумма перевода

        "currency"=>"31652" 

        ],

    "paymentMethod"=>[

        "type"=>"Account",

        "accountId"=>"31652"

        ],

    "comment"=>"test",

    "fields"=>[

        "account"=>"22**20234499****" //Номер карты получателя

        ]

    );

$data= json_encode($data); 

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, $url);

curl_setopt($ch, CURLOPT_RETURNTRANSFER, TRUE);

curl_setopt($ch, CURLOPT_POST, 1);

curl_setopt($ch, CURLOPT_POSTFIELDS, $data);

curl_setopt($ch, CURLOPT_HTTPHEADER, array ("Accept: application/json", "Content-Type: application/json","Authorization: Bearer {$token}"));

curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, FALSE);

curl_setopt($ch, CURLOPT_TIMEOUT, '3');

$output  = curl_exec ($ch) or die(curl_error($ch));

curl_close($ch);

///КОНЕЦ///