Using the PHP SDK

You can also use the PHP SDK to trigger a Request to Charge the Customer's Bank Account.
require '../vendor/autoload.php';

try {
    $client = new CartGateway\CartGateway([
        'account_id' => 1234,
        'access_token' => 'access-token',
    ]);

    $model = new CartGateway\Models\ChargePayment([
        // user information
        'firstname' => 'Firstname',
        'lastname' => 'Lastname',
        'email' => 'user@example.com',
        'address' => '6 Pheasant Run',
        'zip' => '07733',

      	// amount and credit card
        'amount' => 2000, // in cents
        'card_number' => 6011111111111117,
        'card_cvv' => 123,
        'card_expiry_month' => 10,
        'card_expiry_year' => 2025,

        // unique reference
        'order_id' => '123456789', 

        // optional
        'phone' => '',
        'city' => 'Holmdel',
        'state' => 'NJ',
        'country' => 'US',
    ]);
    $response = $client->chargePayment($model);
} catch (CartGateway\Exceptions\ApiException $e) {
    echo $e->message;
    exit;
}

// successfully captured the amount
var_dump($response);

// the unique payment id
// use this value to do a void/refund/lookup
$paymentId = $response->id;