Electronic foreign exchange payment processing; electronic payment services involving electronic processing and subsequent transmission of bill payment data; merchant services, namely, payment transaction processing services; providing payment processing services featuring financial transaction services via an internet web site portal.

Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; application service provider featuring application programming interface (API) software for accepting and sending payments via credit cards, debit cards, wire transfer and cash.