Created a SOAP server (newbie) but need to call it with XML not string params? help please

Hi

I'm ok with PHP and have just been asked to create a Web Service so one of our 3rd party suppliers can use our payments system. I've got all the info I need working once I have the data they want passed but I have no idea how my SOAP server should go about getting their XML

The examples I've used to learn pass parameters in as strings such as this example...

<?php
//client-test.php
ini_set("soap.wsdl_cache_enabled", "0"); // disabling WSDL cache
$client = new SoapClient("http://..../payments.wsdl");
$return = $client->makePayment('12.35');
?>

... but the company that wants to use our payments engine want to pass an XML document in something like...

<xml>
 <request>
  <reference>12345678</reference>
  <cardNumber>1234123456785678</cardNumber>
  <endDate>1109</endDate>
  <amount>12.51</amount>
 </request>
</xml>

... how would I go about that please? Would it simply be down to passing as simple xml in the 'makePaymentFunctions.php' page then doing what I want with it? If so how would I add it to the stub of client-test.php : $return = $client->makePayment(???????);

Many thanks
Neil

<?php 
//server.php
require 'makePaymentFunctions.php';
ini_set("soap.wsdl_cache_enabled", "0"); // disabling WSDL cache
$server = new SoapServer("payments.wsdl");
$server->addFunction("makePayment");
$server->handle();
?>

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