Не удалось загрузить сертификат клиента PEM

Я пытаюсь использовать yandex kassa api, но застрял в одном месте.

У меня нет пароля сертификата, у меня есть Certificate.cer и Private.key.

Я работаю на локальном хосте с PhpStorm. Нужно ли использовать хостинг с поддержкой ssl?

Я получаю эту ошибку:

could not load PEM client certificate, OpenSSL error error:0906D06C:PEM routines:PEM_read_bio:no start line, (no key found, wrong pass phrase, or wrong file format?)

Вот моя ссылка.
Яндекс касса

Что я делаю ?

Вот мой Settings.php

<?php
namespace shop;
class Settings {
public $SHOP_PASSWORD = "123456";
public $SECURITY_TYPE;
public $LOG_FILE;
public $SHOP_ID = 151;
public $CURRENCY = 10643;
public $request_source;
public $mws_cert;
public $mws_private_key;
public $mws_cert_password = "";

function __construct($SECURITY_TYPE = "PKCS7" /* MD5 | PKCS7 */, $request_source = "php://input") {
$this->SECURITY_TYPE = $SECURITY_TYPE;
$this->request_source = $request_source;
$this->LOG_FILE = dirname(__FILE__)."/log.txt";
$this->mws_cert = dirname(__FILE__)."/MWS/certificate.cer";
$this->mws_private_key = dirname(__FILE__)."/MWS/private.key";
}}

А вот и мой MWS.php

private function signData($data) {
$descriptorspec = array(
0 => array("pipe", "r"),
1 => array("pipe", "w"),
);
$descriptorspec[2] = $descriptorspec[1];
try {
$opensslCommand = 'openssl smime -sign -signer ' . $this->settings->mws_cert .
' -inkey ' . $this->settings->mws_private_key .
' -nochain -nocerts -outform PEM -nodetach -passin pass:'.$this->settings->mws_cert_password;
$this->log->info("opensslCommand: " . $opensslCommand);
$process = proc_open($opensslCommand, $descriptorspec, $pipes);
if (is_resource($process)) {
fwrite($pipes[0], $data);
fclose($pipes[0]);
$pkcs7 = stream_get_contents($pipes[1]);
$this->log->info($pkcs7);
fclose($pipes[1]);
$resCode = proc_close($process);
if ($resCode != 0) {
$errorMsg = 'OpenSSL call failed:' . $resCode . '\n' . $pkcs7;
$this->log->info($errorMsg);
throw new \Exception($errorMsg);
}
return $pkcs7;
}
} catch (\Exception $e) {
$this->log->info($e);
throw $e;
}
}

/**
* Makes XML/PKCS#7 request.
* @param  string $paymentMethod financial method name
* @param  array  $data          key-value pairs of request body
* @return string                response from Yandex.Money in XML format
*/
private function sendXmlRequest($paymentMethod, $data) {
$body = '<?xml version="1.0" encoding="UTF-8"?>';
$body .= '<' . $paymentMethod . 'Request ';
foreach($data AS $param => $value) {
$body .= $param . '="' . $value . '" ';
}
$body .= '/>';

return $this->sendRequest($paymentMethod, $this->signData($body), "pkcs7-mime");
}

/**
* Makes application/x-www-form-urlencoded request.
* @param  string $paymentMethod financial method name
* @param  array  $data          key-value pairs of request body
* @return string                response from Yandex.Money in XML format
*/
private function sendUrlEncodedRequest($paymentMethod, $data) {
return $this->sendRequest($paymentMethod, http_build_query($data), "x-www-form-urlencoded");
}

/**
* Sends prepared request.
* @param  string $paymentMethod financial method name
* @param  string $requestBody   prepared request body
* @param  string $contentType   HTTP Content-Type header value
* @return string                response from Yandex.Money in XML format
*/
private function sendRequest($paymentMethod, $requestBody, $contentType) {
$this->log->info($paymentMethod . " Request: " . $requestBody);

$curl = curl_init();
$params = array(
CURLOPT_RETURNTRANSFER => 1,
CURLOPT_HTTPHEADER => array('Content-type: application/' . $contentType),
CURLOPT_URL => 'https://penelope-demo.yamoney.ru:8083/webservice/mws/api/' . $paymentMethod,
CURLOPT_POST => 0,
CURLOPT_SSL_VERIFYPEER => false,
CURLOPT_SSLCERT => $this->settings->mws_cert,
CURLOPT_SSLKEY => $this->settings->mws_private_key,
CURLOPT_SSLCERTPASSWD => $this->settings->mws_cert_password,
CURLOPT_SSL_VERIFYHOST => false,
CURLOPT_VERBOSE => 1,
CURLOPT_POSTFIELDS => $requestBody
);
curl_setopt_array($curl, $params);
$result = null;
try {
$result = curl_exec($curl);
if ($result === false) $result = curl_error($curl);
$this->log->info("Result: " . $result);
if (!$result) {
trigger_error(curl_error($curl));
}
curl_close($curl);
} catch (HttpException $ex) {
$this->log->info("Error: " . $ex);
echo $ex;
}
return $result;
}

И ListOrder.php

<?php
namespace shop;

require_once "../Settings.php";
require_once "MWS.php";

$mws = new MWS(new Settings());

?>
<!DOCTYPE html>
<html>
<head>
<meta charset="utf-8">
<meta content="IE=edge" http-equiv="X-UA-Compatible">
<meta content="width=device-width, initial-scale=1" name="viewport">
</head>
<body>
<?php echo htmlspecialchars($mws->listOrders()) ?>

</body>
</html>