///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///