Ready! API 这个工具里面调用的接口，我在PHP用什么格式传参？

Question

右边红框处是我不知道要怎么传，
这个是XML形式的

这是我的代码:

function CreditCardChargeAction(){
   $ezidebit_client = new \SoapClient("http://ws.cardcall.com.au:8092/CreditCardCharge.svc?WSDL");
   $ezidebitRequest = array("biz"=>array("BizID"=>"5","ClientIP"=>"101.178.140.96","HttpReferer"=>"https://www.hellophonecards.com.au/hpchome/recharge.aspx",
               "BMUserAdminID"=>"1","GMUserAdminID"=>"1","Reason"=>"TPC","CardName" => "1147725","CardNumber" => "4862700011382664","CVV"=>"111",
               "ExpiryYear" => "16","ExpiryMonth" => "10","Amount" => "10","Currency"=>"AUD", "SerialNo" => "CCAW0101171577","Bonus" => "0"));
   $soap_result = $ezidebit_client->DoCreditCardCharge($ezidebitRequest);
}

$ezidebitRequest这里不知道对应的Ready! API 这个工具用什么格式去传值？
我这里$ezidebitRequest写法是错误的。