Providing electronic processing of credit card transactions and electronic payments via a global computer network; financial services, namely, payment card transaction processing services; financial transaction processing services, namely, providing electronic processing of payment card transactions and electronic payments, electronic processing of cardholder transaction disputes, electronic credit and debit transactions, point of sale and point of transaction services, and credit card and debit card verification and guarantee services; electronic payment transaction, authentication and verification services; providing electronic processing of ACH transactions and electronic payments via a global computer network, namely, electronic funds transfer; clearing and settling financial transactions on behalf of others and advisory services relating to the aforesaid services; providing electronic processing of checks verification, guarantee and check 21; and providing electronic processing of loyalty and gift card transactions on behalf of others