Services relating to financial and monetary affairs namely electronic transaction processing services; electronic funds transfer processing services; money transfer services; fraud management services with respect to financial, credit and debit card services; issuing credit, debit and other cards and fraud detection services; cash management services; account receivable management services, namely pre-charge off collection services, account management, collection, remittance and retention services for credit and debit card issuers; wireless electronic processing of cheques, credit card and chip card transactions; cheque, credit card, debit card and chip card authorisations; financial services being transaction capture, transaction settlement, chargeback handling, transaction reconciliation and transaction reporting; cheque, credit card, debit card and chip card payment; billing and payment services in the fields of facilities management, credit and debit cards, money orders and wire transfers, mutual funds and telephone orders; bill payment services, allowing customers to pay for goods and services by credit, debit or smart card at the point of sale, over a computer network, by cheque or money wire; but excluding the provision of credit