soap-code.php

<?php

$password = 'xxxxxxx';
$wsdlUrl = 'https://xxxxxx:xxxx/xxxx/CardServiceWs?WSDL';
$pemFilePath = PATHDIR . 'client.pem';
$pemPassword = 'xxxxxxxxxxxxx';
$contextOptions = array(
    'ssl' => array(
    'verify_peer' => false,
    'verify_peer_name' => false,
    'allow_self_signed' => true
  )
);
$sslContext = stream_context_create( $contextOptions );
$params = [
  'local_cert' => $pemFilePath,
  'passphrase' => $pemPassword ,
  'trace' => 1,
  'exceptions' => 1,
  'cache_wsdl' => WSDL_CACHE_NONE,
  'stream_context' => $sslContext
];
try {
    $soapClient = new \SoapClient( $wsdlUrl, $params );
}
catch(Exception $e) {					
		print_r($e->getMessage());
}