ATM banking services; charge card and credit card services; credit and cash card services; credit and debit card services; credit card and debit card services; credit card and payment card services; credit card authorization services; credit card factoring services; credit card payment processing services; credit card services; credit card transaction processing services; credit card verification; debit card services; electronic cash transactions; electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the internet; electronic credit card transactions; electronic debit transactions; merchant services, namely, payment transaction processing services; payment processing services, namely, credit card and debit card transaction processing services; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; prepaid card services in the nature of making payment for adding airtime to prepaid or pay-as-you-go wireless services; processing electronic payments made through prepaid cards; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; provision and administration of a debit card savings program; and proprietary software ZAPPAY