SOAP and Php question about authentication

[James Newman <james.newman@xxxxxxxxxxxxxxxxx>]

I'm having a few authentication issues and I'm not sure if it's my code or
the web service I'm connecting to.  The code below shows what I'm working
with not sire if I'm going about it the right way.

This is the error I get!

Fatal error: Uncaught SoapFault exception: [soap:Client]
System.Web.Services.Protocols.SoapException: Authentication error. Username
and/or Password are incorrect at
F2CPaymentWS.Shared.Exceptions.ExceptionManager.RaiseSoapException(String
ErrorMessage, Int32 ErrorNumber, ExceptionType Type, FaultCode WhosFault,
String Method) at F2CPaymentWS.PaymentWS.ProcessPayment(String Username,
String Password, Int32 TxType, Int32 AccountId, Decimal Amount, String
Reference, String Particular, String Email, String CardNumber, String
CardType, String CardExpiry, String CardHolderName, String CardCSC, Boolean
StoreCard) at F2CPaymentWS.PaymentWS.ProcessPurchase(String Username,
String Password, Int32 AccountId, Decimal Amount, String Reference, String
Particular, String Email, String CardNumber, String CardType, String
CardExpiry, String CardHolderName, String CardCSC, Boolean StoreCard) in
C:\Development\website\includes\class\Flo2cash_API.php:50 Stack trace: #0
C:\Development\allaboutauckland.com\includes\class in
C:\Development\website\includes\class\Flo2cash_API.php on line *50*
*
*
Can someone point me in the right direction?

$data = array(
'Username' =>'********',
 'Password' =>'********',
'AccountId' =>'********',
 'Amount' =>'10.00',
'Reference' =>'00010',
 'Particular'=>'Test Payment',
'Email' =>'james.newman@xxxxxxxxx',
 'CardNumber'=>'5123456789012346',
'CardType' =>'MC',
 'CardExpiry'=>'0513',
'CardHolderName'=>'JamesNewman',
 'CardCSC' =>'111',
'StoreCard' =>'true'
 );
 $vars = array(
 'login'=> '********',
'password' => '********',
 'trace' => 1,
'exceptions' => true,
        'cache_wsdl' => WSDL_CACHE_NONE,
        'features' => SOAP_SINGLE_ELEMENT_ARRAYS);
 $client = new SoapClient("http://demo.flo2cash.co.nz/ws/paymentws.asmx?WSDL";,
$vars);
 $text = array('Username' =>'********',
  'Password' =>'********',
  'AccountId' =>'********',
  'Amount' =>'10.00',
  'StoreCard' =>'false');

$out = $client->ProcessPurchase($data);
 var_dump($client->__getFunctions());
var_dump($client->__getLastRequestHeaders());
 var_dump($client->__getTypes());
print_r($client);
  exit;