Downloadable computer software for managing and processing electronic payments via portable electronic devices; computer software for the purpose of processing credit card and debit card transactions; downloadable computer software for enabling point of sale, mobile, and online payments or payments via mail or telephone; downloadable computer software for use by others for use in managing and processing electronic payments and viewing and customizing reporting data for reconciliation of accounts; downloadable computer software to enable payment processing and transaction processing for retail services; downloadable computer software for enabling payment processing, transaction processing, and reconciliation reporting for merchants; downloadable computer software for processing credit cards, debit cards, charge cards, automated teller machine cards and pre-paid cards of variable monetary value and enabling automated clearing house (ACH) transfers for use in the field of financial transaction and electronic payment processing; computer software for electronic payment processing featuring content related to cashless payment services, namely, credit cards, debit cards, charge cards, automated teller machine cards and pre-paid cards of variable monetary value for use in making purchases of goods and services; computer software for the purpose of enabling automated clearing house (ACH) transfers, including direct deposit, payroll and vendor payments