PHP PDO_SQLSRV – INSERT permission was denied on the object (but it works in SSMS on same credentials) [closed]

I’m facing this issue:

Fatal error: Uncaught PDOException: SQLSTATE[42000]: [Microsoft][ODBC Driver 18 for SQL Server][SQL Server]The INSERT permission was denied on the object ‘xxxxxxxxxx’, database ‘xxxxxxxxxx’, schema ‘dbo’. in /home/….

Error would be pretty straightforward except that I use this SQL Server account in SQL Server Management studio and I can do inserts there without problems. Moreover, I log on SA account via same PHP code and it is the same – this is why I figure this is not really permissions problem on SQL Server. Am I wrong?

Is there a setting in PDO like read only maybe? Or in SQL Server: “allow PHP connections” – this are just guesses.