Payment processing services; straight-through payment processing services; electronic funds transfer services, payment service provider services to on-line and conventional merchants (businesses), utility companies and non-business service-providing organizations, namely processing payments made by consumers to merchants, utility companies and organizations such payments made online, through multiple channels, or through call centre and automated telephone channels; purchaser and transaction verification for e-commerce transactions; facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; providing the financial services required to permit merchants resident and shipping goods from, or providing services from, a first country to enter into transactions with individuals resident in other countries