Credit card and payment card services; Credit card payment processing services; Credit card transaction processing services; Electronic payment, namely, electronic processing and transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Making payments on pre-paid long distance calling cards for recharging minutes; Merchant services, namely, payment transaction processing services; Money order payment guarantee services; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network