Currently is:
<soap:binding.soap> <messageComposer xsi:type="soap:MessageComposerType" unwrapped="true"/> <soap:wsdl>Payments.wsdl</soap:wsdl>
Should be:
<soap:binding.soap> <soap:messageComposer xsi:type="soap:MessageComposerType" unwrapped="true"/> <soap:wsdl>Payments.wsdl</soap:wsdl>
Related comment - I don't think the xsi:type is necessary there.