> For the complete documentation index, see [llms.txt](https://apidocs.arionbanki.is/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://apidocs.arionbanki.is/b2b-2013-schema/b2b-services/b2b-payment-service/general-information.md).

# General Information

This documentation is intended for technical personnel implementing solutions related to Arion bank’s B2B services. The manual contains use cases, descriptions of functions and format of data.

### About the Service

The Payment Service allows companies to perform transfers between accounts and pay claims. 

It also supports submitting payment batches, with two options available: 

* Submit the payment batch to the Arion online bank, where you are required to log in and confirm the payment batch before it is executed. This is the default option.
* Process payment batches directly through the accounting system without using the online bank

More details on batch payments is available in [Batch States](/b2b-2013-schema/b2b-services/b2b-payment-service/batch-states.md).

### Identity and Access Management <a href="#toc413067892" id="toc413067892"></a>

Access control for the service follows the same model as the Arion online banking system, where users are authenticated with a username and password. Additionally, communications between the web service and the user’s system are signed with an electronic certificate.

The Payments Service is built on a schema interface that all the major banks in Iceland have agreed upon. The service has a defined WCF endpoint with a Mutual Authentication security model. Information transmitted between systems is encrypted over HTTPS, ensuring maximum security. For detailed instructions on authentication for B2B services, refer to the manual - [Authentication and Certificates](/b2b-2013-schema/b2b-services/b2b-setting-up-a-authentication-and-certificates.md).

### Web Paths <a href="#toc130556087" id="toc130556087"></a>

The Payment Service is available at the following URL: <https://ws.b2b.is/Payments/20131015/PaymentService.svc>

### Schema <a href="#toc130556088" id="toc130556088"></a>

Schema descriptions, including WSDL files, are available at the following URL: <https://ws.b2b.is/Payments/20131015/PaymentService.svc?wsdl>