[php] SOAP-ERROR: Parsing WSDL: Couldn't load from <URL>

I got the same error

Could not connect to the Magento WebService API: SOAP-ERROR: Parsing WSDL: Couldn't load from 'example.com/api/soap/?wsdl' : failed to load external entity "example.com/api/soap/?wsdl"

and my issue resolved once I update my Magento Root URL to

example.com/index.php/api/soap/?wsdl

Yes, I was missing index.php that causes the error.

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