Stored-value credit card account payment processing, namely, processing payments from stored value accounts; e-wallet services, namely, providing consumers of merchants and businesses with an e-wallet account in the nature of establishing electronic funded accounts for use in making secure payments for purchasing goods and services from such businesses; prepaid credit card payment processing services for facilitating merchants, businesses, utilities and service-providing organizations to receive payments from various payment providers; financial services, namely, processing prepaid credit card payments from stored value accounts, for allowing merchants resident in and selling goods and services from a first country to sell such goods and services to consumers resident in other countries and for residents in one country to purchase goods and services from merchants in another country; payment card services in the nature of prepaid credit card payment services; issuing a debit and credit payment card connected to an e-wallet or stored value electronic funds account for purchasing goods and services at point of sale wherein funds for such purchases coming from an electronic stored value account, savings account, credit facility or other facility; pre-paid credit and debit card services and stored-value prepaid charge card services, namely, prepaid debit, credit and charge card services only for owners of internet-based, on-line accessible, electronic money accounts, whereby a debit, credit and charge card, pre-paid credit card or stored-value credit card is used to purchase goods and services from physical merchants and on-line merchants, all funds used in such purchases being debited from the user's electronic money account; virtual debit card services for owners of internet-based, on-line accessible, electronic money accounts, namely, virtual prepaid debit card services having a one-use-only payment card number, for use in purchasing goods and services on-line, by mail, and by telephone, all funds used in such purchases being debited from the user's electronic money account; money transfer services namely electronically transferring funds from person to person; electronically transferring funds from one owner of an e-wallet account to another owner of an e-wallet account