$options = [
'client_id' => 'Client_Id_b03f8127709d8e9e65e2bacc80a3cacdxxxxxxx',
'client_secret' => 'Client_Secret_178295851f167a7753e6c2a17678aa13xxxxxx',
//'pix_cert' => $caminho_certificado,
'pix_cert' => '../config/certificado.pem',
'sandbox' => true,
'debug' => false,
'timeout' => 30
];