Software as a service (SAAS), and application service provider featuring application programming interface (API) software and on-line non-downloadable development tools for use in integrating ecommerce, business, transactional, financial, and analytics information and functionality into other software and platforms and providing analytics therefor; providing temporary use of non-downloadable computer software for allowing users to perform electronic business transactions via a global computer network; platform as a service (PAAS) featuring computer software platforms for commercial financial transaction data, account management, data operations, financial reporting, accounting features, credit, invoice advances, loan assistance and related reference information in the field of account receivable payments