$params = array ('SCOPE'=>'invoiceapi','authtoken'=>$authtoken,'apikey'=>$apikey,'XMLString'=>$xmlstr);
$ch = curl_init('https://invoice.zoho.com/api/payments/create/');
curl_setopt($ch, CURLOPT_VERBOSE, 1);//standard i/o streams
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, FALSE);//
curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, FALSE);
curl_setopt($ch, CURLOPT_RETURNTRANSFER,TRUE);//
curl_setopt($ch, CURLOPT_FOLLOWLOCATION, TRUE);
curl_setopt($ch, CURLOPT_POST, 1);//Regular post
curl_setopt($ch, CURLOPT_POSTFIELDS, $params);//