# Statements and payments via different banking services

As of version 18.4, every bank account in 365 business Banking has an account information service and a payment initiation service. You can combine both, for example statements via finAPI and payments via EBICS.

## Business Value

Many companies want to retrieve statements via PSD2 and pay via EBICS without a daily limit, or approve payments exclusively as files in online banking. This requires account information and payment initiation to run through different services.

## Feature Description

The bank account card carries the **Account Information Service** and **Payment Initiation Service** fields. With **Change Banking Services**, you switch one of the two services. Business Central checks whether the new service reaches the account. For camt and Universal accounts, a **Transaction Fingerprint** recognizes transactions that already arrived through another service. For finAPI and EBICS, only the transaction ID counts. Check the first retrievals after a switch. The **Retrieve Transactions From** field defines the date from which transactions are retrieved.

Details: [Combine banking services](../../connections/mixed-operation.mdx)