$certificado_pix = "$_SERVER[DOCUMENT_ROOT]/functions/gerencianet/chain-pix-sandbox.crt";
$certificado_pix = json_encode(file_get_contents($certificado_pix), true);
CURLOPT_HTTPHEADER => array(
"Content-Type: application/json",
"Authorization: Bearer $token",
"x-client-cert-pem: $certificado_pix",
"x-skip-mtls-checking: false",
),