Platform as a service (PAAS) featuring computer software platforms for creating a bidding platform for credit card processing; Providing on-line non-downloadable software for providing technology that enables users to upload, download and share text, graphics and data; Providing temporary use of a web-based software application for providing an online marketplace for users to connect with credit card processing vendors and point of sale systems, and for providing an online marketplace for buyers and sellers of goods and/or services on a global computer network; Providing temporary use of on-line non-downloadable software for communication via the Internet; Software as a service (SAAS) services featuring software for enabling businesses to compare the fees of various credit card processing vendors and for enabling vendors to bid on credit card processing transactions