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Согласуйте первоначально с вашим менеджером PSP Platon.

<?php
  $pass='***************'; //Client's password
  $params['action']='DEBIT_PREPARE';
  $params['client_key']='******'; //Client's KEY 
  $params['order_id']='Platon_test_37254'.rand(100, 999);
  $params['order_amount']='10.00';
  $params['order_currency']='UAH';
  $params['order_description']='test_by_Platon';
  $params['card_number'] = '1111111111111111';
  $params['card_exp_month'] = '11';
  $params['card_exp_year'] = '1111';
  $params['card_cvv2'] = '111';
  $params['payer_first_name']='Jack';
  $params['payer_last_name']='Anderson';
  $params['payer_phone']='380962111111';
  $params['payer_address']='NA';
  $params['payer_country']='UA';
  $params['payer_state']='NA';
  $params['payer_city']='NA';
  $params['payer_zip']='01001';
  $params['payer_email']='test@test.com';
  $params['payer_ip']='111.111.111.111';
  $params['term_url_3ds']='https://google.com';
  $params['signature'] = sha1($pass . strtolower(implode('', $params)));
  
  $url = 'https://secure.platononline.com/p2p-debit/';
  
  $tempData = array();
    foreach ($params as $key => $value) {
      $tempData[] = $key.'='.urlencode($value);
    }
    
  $crq = curl_init();
    curl_setopt($crq, CURLOPT_URL, $url);
    curl_setopt($crq, CURLOPT_HEADER, 0);
    curl_setopt($crq, CURLOPT_RETURNTRANSFER, 1);
    curl_setopt($crq, CURLOPT_SSL_VERIFYHOST, 0);
    curl_setopt($crq, CURLOPT_SSL_VERIFYPEER, 0);
    curl_setopt($crq, CURLOPT_POSTFIELDS, implode('&', $tempData));
    $result = curl_exec($crq);
    if (curl_errno($crq)) {
      echo 'ERROR: '.curl_error($crq);
    }
    curl_close($crq);

  echo $result;
  $moda = json_decode($result, true);

  $pars['action']='DEBIT_RUN';
  $pars['client_key']='*******';
  $pars['trans_id']=$moda['trans_id'];
  $pars['card_cvv2']='111';
  $pars['signature']= sha1($pass . strtolower(implode('', $pars)));
  
  $temp = array();
    foreach ($pars as $key => $value) {
      $temp[] = $key.'='.urlencode($value);
    }
  $crq = curl_init();
    curl_setopt($crq, CURLOPT_URL, $url);
    curl_setopt($crq, CURLOPT_HEADER, 0);
    curl_setopt($crq, CURLOPT_RETURNTRANSFER, 1);
    curl_setopt($crq, CURLOPT_SSL_VERIFYHOST, 0);
    curl_setopt($crq, CURLOPT_SSL_VERIFYPEER, 0);
    curl_setopt($crq, CURLOPT_POSTFIELDS, implode('&', $temp));
    $res = curl_exec($crq);
    if (curl_errno($crq)) {
      echo 'ERROR: '.curl_error($crq);
    }
    curl_close($crq);
  
  echo $res;
  $respRedirect = json_decode($res, true);
  echo $respRedirect['redirect_url'];
  
  header('Location: '.$respRedirect['redirect_url']);
  
?>