// Set up valid root CA certificate. $options = [ ] ; if ( true === is_file ( __DIR__ . DIRECTORY_SEPARATOR . 'cacert.pem' ) ) { $options [ CURLOPT_SSL_VERIFYPEER ] = true ; $options [ CURLOPT_SSL_VERIFYHOST ] = 2 ; $options [ CURLOPT_CAINFO ] = __DIR__ . DIRECTORY_SEPARATOR . 'cacert.pem' ; } // Init target. $this - > billPayments = new BillPayments ( $this - > config [ 'merchantSecretKey' ] , $options ) ;