Well, the class definitions and initializations are trivially simple (brain dead relative to C++):

class CreditCardType {
    var $cc_id = null;
    var $cc_type = null;
    var $cc_currency = null;
    var $cc_holder_name = null;
    var $cc_number = null;
    var $cc_month = null;
    var $cc_year = null;
    var $cc_cvv = null;
    var $cc_default = null;
    var $cc_status = null;
    var $cc_status_infos = null;
    var $cc_creation = null;
    var $cc_lastupdate = null;
}
        echo "Processing Credit Card Transaction\n";
        $CreditCard = new CreditCardType();
        $CreditCard->cc_type = "VISA"; // mandatory
        $CreditCard->cc_holder_name = "DEMO USER"; // mandatory
        $CreditCard->cc_number = "4444333322221111"; // mandatory
        $CreditCard->cc_cvv = "123"; // mandatory
        $CreditCard->cc_month = "12"; // mandatory
        $CreditCard->cc_year = "2014"; // mandatory
[download]

The call to SOAPClient is, again:

$soap = new SoapClient("https://merchant.paytoo.info/api/merchant?wsdl
+", array("classmap"=>array("AccountType"=>"AccountType", "CreditCardT
+ype"=>"PaytooCreditCardType")));
[download]

And then it is used (with instances of other classes) like:

$response = $soap->CreditCardSingleTransaction($CreditCard, $Customer,
+ $amount, $currency, $ref_id, $description, $addinfo);
[download]

I do have the full wsdl file, but I don't know that I can post any of it since I did not write any of it. For that matter, it would be handy to locate a decent WSDL editor (my favourite eitors don't provide any supports for it beyond what any braindead Notepad clone would do).

I am so frustrated with this, I am sorely tempted to make a PHP file template that my Perl CGI programs can edit to have the right data, and then ran that using php and parse the output that results in order to get the result. :-(

AFAIK, the parameters passed in a WSDL tranaction are in XML format, so I think the PHP classes at some point serialize to XML, though that is not obvious from the PHP code you posted. From what I could make out of SOAP::WSDL::Manual - Accessing WSDL based web services, you will need to create a class (or classes) which is a subclass of SOAP::WSDL::XSD::Typelib::ComplexType and then use that in much the same way as the PHP call does. The information you need to define your classes will be in the wsdl file somewhere, though you might be able to just adapt what's there in the PHP.

Update - Looking at the docs again, it gives this example:

my $soap = SOAP::WSDL->new(
    wsdl => 'file://bla.wsdl',
);
my $result = $soap->call('MyMethod', %data);
[download]

It says "Your data is serialized according to the rules in the WSDL" so it looks like you could feed in your wsdl file and then see what it expects %data to be. And do hang around for a bit, I'm sure someone else here can s/:-(/:-)/