Payment processing services in the field of credit card and debit card transaction processing services; third party payment processing, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; Providing electronic processing of ACH and electronic check payments; processing transaction payments between individuals and merchants; gift card transaction processing; electronic funds transfer; surcharge payment processing; Credit card transaction processing services; Credit card verification; Electronic credit card transactions; processing electronic payments made through prepaid cards; providing secure commercial transactions and payment options using a mobile device at a point of sale; Financial services, namely, money lending; Check processing; payment gateway services, namely, authorizing and processing secure, real-time payments for others over a network connection; fraud reimbursement services in the field of credit card purchases