<?php
ini_set('soap.wsdl_cache_ttl', 1);
ini_set("soap.wsdl_cache_enabled", WSDL_CACHE_NONE);

$client = new
SoapClient("https://test-ws.hipay.com/soap/user-account-v2?wsdl",
array('features' => SOAP_SINGLE_ELEMENT_ARRAYS, 'trace' => 1));

$parameters = new stdClass();
$parameters->parameters = array(
  'wsLogin' => '4f8c3e80fd4e476f1e227c68fefdb3e5',
  'wsPassword' => '2f0c4099c4254f819bf7246d6202d192',
  'email' => 'jabella@hi-media.com', );

$response = $client->getAvailablePaymentMethods($parameters);

echo $client->__getLastRequest();
echo $client->__getLastResponse();


var_dump($response);
?>