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Create login key and api key to check for realtime and for sandbox.

You have to fill in the customers login key and transaction key either sandbox or live. Both are different.

Store all the post values into respective variables by url encoding them.

$firstName =urlencode( $_POST['firstname']);
$lastName =urlencode($_POST['lastname']);
$creditCardType =urlencode( $_POST['cardtype']);
$creditCardNumber = urlencode($_POST['cardnumber']);
$expMonth =urlencode( $_POST['cardmonth']);  
$padMonth = str_pad($expMonth, 2, '0', STR_PAD_LEFT);    
$expYear =urlencode( $_POST['cardyear']);
$cvv2Number = urlencode($_POST['cardcvv']);
$address1 = urlencode($_POST['address']);
$city = urlencode($_POST['city']);
$state =urlencode( $_POST['state']);
$zip = urlencode($_POST['zip']);
//give the actual amount below
$amount = "300";
$date = $expMonth.$expYear;

You need to create key value pairs(Associative array) which then will be converted to a query string. This query string will be posted to the payment gateway site.

$post_values = array(
    "x_login"           => "$LOGINKEY",
    "x_tran_key"        => "$TRANSKEY",
    "x_version"         => "3.1",
    "x_delim_data"      => "TRUE",
    "x_delim_char"      => "|",
    "x_relay_response"  => "FALSE",
    "x_device_type"     => "1",
    "x_type"            => "AUTH_CAPTURE",
    "x_method"          => "CC",
    "x_card_num"        => $creditCardNumber,
    "x_exp_date"        => $date,
    "x_amount"          => $amount,
    "x_description"       => "Sample Transaction",
    "x_first_name"      => $firstName,
    "x_last_name"       => $lastName,
    "x_address"         => $address1,
    "x_state"           => $state,
    "x_response_format" => "1",
    "x_zip"             => $zip

The query string which is to be posted to the payment gateway is stored in $post_string.
$post_string = "";
foreach( $post_values as $key => $value )$post_string .= "$key=" . urlencode( $value ) . "&";
$post_string = rtrim($post_string,"& ");

Now we have to set the url to which the above query string should be posted.

//for test mode use the followin url
$post_url = "";
//for live use this url
$post_url = "";

The next step is to make a connection to the payment gateway and should post the query string using CURL.

$request = curl_init($post_url); // initiate curl object
curl_setopt($request, CURLOPT_HEADER, 0); // set to 0 to eliminate header info from response
curl_setopt($request, CURLOPT_RETURNTRANSFER, 1); // Returns response data instead of TRUE(1)
curl_setopt($request, CURLOPT_POSTFIELDS, $post_string); // use HTTP POST to send form data
curl_setopt($request, CURLOPT_SSL_VERIFYPEER, FALSE); // uncomment this line if you get no gateway response.
$post_response = curl_exec($request); // execute curl post and store results in $post_response
curl_close ($request); // close curl object

We have received (success or failure) response.
// This line takes the response and breaks it into an array using the specified delimiting character
$response_array = explode($post_values["x_delim_char"],$post_response);

    echo '<b>Payment Failure</b>.';
    echo '<b>Error String</b>: '.$response_array[3]; // This will contain the reason for the error.
    echo 'Press back button to go back to the previous page';
    $paymentId = $response_array[6]; // The transaction key when success
$payment_amount = $response_array[9]; // transaction payment amount
    echo "Payment Success";


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