$apiClient = new ApiClient(
	new CurlDriver(),
	new CryptoService(
		$privateKeyFile,
		$bankPublicKeyFile
	),
	'https://api.platebnibrana.csob.cz/api/v1.8'
);

$requestFactory = new RequestFactory('012345');

// cart has to have at least 1 but most of 2 items
$cart = new Cart(Currency::EUR);
$cart->addItem('Nákup', 1, 1.9 * 100);

$customer = new Customer(
    'Jan Novák',
    'jan.novak@example.com',
    mobilePhone: '+420.800300300',
    customerAccount: new CustomerAccount(
        new DateTimeImmutable('2022-01-12T12:10:37+01:00'),
        new DateTimeImmutable('2022-01-15T15:10:12+01:00'),
    ),
    customerLogin: new CustomerLogin(
        CustomerLoginAuth::ACCOUNT,
        new DateTimeImmutable('2022-01-25T13:10:03+01:00'),
    ),
);

$order = new Order(
    OrderType::PURCHASE,
    OrderAvailability::NOW,
    null,
    OrderDelivery::SHIPPING,
    OrderDeliveryMode::SAME_DAY,
    addressMatch: true,
    billing: new OrderAddress(
        'Karlova 1',
        null,
        null,
        'Praha',
        '11000',
        null,
        Country::CZE,
    ),
);

$paymentResponse = $requestFactory->createInitPayment(
	123,
	PayOperation::PAYMENT,
	PayMethod::CARD,
	true,
	$returnUrl,
	HttpMethod::POST,
	$cart,
    $customer,
    $order,
    'some-base64-encoded-merchant-data',
    '123',
    Language::CZ,
    1800,
    1,
    2,
)->send($apiClient);
$payId = $paymentResponse->getPayId();

$processPaymentResponse = $requestFactory->createProcessPayment($payId)->send($apiClient);

// redirect to gateway
header('Location: ' . $processPaymentResponse->getGatewayLocationUrl());

try {
    $receivePaymentResponse = $requestFactory->createReceivePaymentRequest()->send($apiClient, $_POST /* $_GET */);
    if ($receivePaymentResponse->getPaymentStatus() === PaymentStatus::S7_AWAITING_SETTLEMENT) {
        // payment was successful!
    }
} catch (VerificationFailedException | InvalidSignatureException $e) {
    // request was not send from csob api
}