Reconciling and clearing financial transactions and credits for people, companies, products, and/or services by electronic means, via computer, mobile, texting, or email, over global information networks; providing payment services, tracking of credits and payment processing of all denominations; all of the above limited to payments of between $.001 and $10.00 for transactions involving i) the sale of digital content based goods, ii) commission payments to online advertising affiliates, iii) online tipping, iv) online and social media based referral fees, and v) tracking of digital content usage for determining subscription fees