А если используется свой ключ? Это не влияет?

Вобщем, посимвольно сравнил ключи, искусственн привел все к одному виду. Теперь ошибка:

{"error":{"code":"INSUFFICIENT_FUNDS","mess":"Insufficient funds on the account"}}

В ответе должна же быть ссылка на оплату? Или вначале в любом случае списывается 90 рублей? А если пользователь не оплатит?

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Нет, javascript запрашивает objectInfoFull через php-скрипт, затем отправляет encoded_object в тот же скрипт для save_order. PHP скрипт взят из вашего примера (функция api)