Providing temporary use of online non-downloadable software for mapping user's business model to payments; Providing temporary use of online non-downloadable software for managing and processing payments; providing temporary use of online non-downloadable software for transferring funds to and from others; providing temporary use of on-line non-downloadable software for sending money and requesting money; providing temporary use of online non-downloadable software for managing and processing remittance, gift cards, prepaid credit cards, stored value accounts, debit transactions, credit transactions, checks, electronic funds transfer, ACH, financial transactions, aggregating mass payments, and account notifications; providing temporary use of online non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices, payments, and receipts; application service provider featuring application programming interface (API) software for payment collection, payment aggregation, payment transactions, payment exchanges, and information processing; electronic monitoring of financial transactions for fraud, money laundering, and illegality in the field of electronic fund transfer and electronic payment processing services; Financial services, namely, payment processing; financial services, namely, electronic processing of payments, remittance, gift cards, prepaid credit cards, stored value accounts, debit transactions, credit transactions, checks, electronic funds transfer, and ACH; clearing and reconciling financial transaction services; providing payment and financial services, namely, creating, preparing, managing, sending, processing, tracking, and reconciling invoices, payments, and receipts; bill payment services; providing electronic payment services for others; electronic foreign exchange payment processing services; financial risk management services