Bill payment services; bill payment services provided via the telephone; bill payment services provided via a mobile device; bill payment services provided via other electronic devices; credit card payment processing services; electronic payment services involving electronic processing and subsequent transmission of bill payment data; electronic cash transactions; electronic funds transfer; financial transaction services, namely, credit card payment processing services; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; financial transaction services, namely, providing secure commercial transactions and payment options using a telephone at Automated Teller Machine (ATM); financial transaction services, namely, providing secure commercial transactions and payment options using a telephone at a point of sale; financial transaction services, namely, providing secure commercial transactions and payment options using an electronic device at a point of sale; financial transaction services, namely, providing secure commercial transactions and payment options; contactless payment, in the nature of processing credit and debit card payments, across various payment channels; information, consultancy and advisory services relating to the aforesaid services