Credit card payment processing services; Electronic credit card payment processing services; ACH/EFT payment processing services in the nature of providing electronic processing of ACH/EFT payments; Check-by-phone payment processing services; Customized monthly electronic payment processing services, namely, ACH, electronic check, electronic payments, credit card and debit card transaction processing services; Automated recurring payment processing services, namely, credit cards and debit card processing services; Website payment processing services, namely, credit cards and debit card processing services; Point of sale payment processing services, namely, credit cards and debit card processing services; Credit card and debit card processing services in the nature of processing payment authorizations, payment voids and payment credits; Bill payment services provided through a website, namely, providing a secure payment page for others, collecting credit card data for others, running real-time transactions for others, serving a secure receipt page for others, sending out email receipts to customers of payment processing clients, and returning customers back to the original website of others; Bill payment services provided through a website, namely, on-line, secure and real-time payment processing services