Providing a website featuring technology that allows users to integrate the tracking and management of commercial transactions on a global computer network; Providing an on-line computer web site featuring technology that enables users to track and organize commercial financial transaction data, account management, financial reporting, accounting features and related information; Non-downloadable computer e-commerce and physical commerce software to allow users to perform electronic business transactions via a global computer network; Providing temporary use of non-downloadable software for acquiring, using, enabling and facilitating physical and virtual credit, debit, and prepaid card and other payment transactions; Application service provider featuring open application programming interface (API) software for payment processing, accounting, and tracking of virtual and physical credit, debit, and prepaid cards and other payment products; Application service provider featuring application programming interfaces (APIs) software for payment processing, accounting, and tracking of physical and virtual credit, debit, prepaid, and deferred payment cards and other payment products; Application service provider featuring application programming interfaces (APIs) software that allows users to integrate the tracking and management of commercial transactions on a global computer network