Credit services; financial services; banking services; financial services including credit card services, debit card services, voucher services, issuing credit cards and providing lines of credit; budgeting services; direct debit services; account debiting services; transaction services including providing secure transactions and payment options of electronic funds using an electronic device via the internet; processing and transmission of bills and payments thereof; stored value card authorisation and transaction processing services; clearing and reconciling financial transactions via electronic communications networks; providing guaranteed payment delivery and money market funds; financial sponsorship; payment verification services