Automated payment services; bill payment services; bill payment services provided through a web site; bill payment services provided through a website; charge card payment processing; clearing services for payment transactions; collection of payments for goods and services; conducting cashless payment transactions; credit card and payment card services; credit card payment processing; credit card payment processing services; debit card payment processing; debit card payment processing services; electronic bill payment services; electronic commerce payment services; electronic foreign exchange payment processing; electronic funds transfer and payment services; electronic payment services; electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic processing of electronic payments via a global computer network; electronic processing of payments; financial services relating to payment cards; on-line bill payment services; online bill payment services; payment collection agency services; payment processing services; payment services provided via wireless telecommunications apparatus and devices; processing electronic payments made through pre-paid cards; processing electronic payments made through prepaid cards; processing electronic payments made with pre-paid cards; processing electronic payments made with prepaid cards; processing of credit card payments; processing of debit card payments; processing of electronic bill payments; processing of electronic check payments; processing of electronic payments; processing of payment transactions; processing of payment transactions via the internet; processing payments for the purchase of goods and services via an electronic communications network; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores