Bill payment services; Electronic payment services, namely, electronic processing and transmission of bill payment data; Payment processing services, namely, credit card and debit card transaction processing services; Financial services, namely, processing of merchant payment transactions; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; Financial consulting services, namely, expert analysis in finance and advising others regarding processing of merchant payment transactions; Debt consolidation services; Cash advance services for businesses and merchants; Providing loans and lines of credit to small businesses; Financial services rendered in connection with the issuance, receipt and transfer of lines of credit, namely, credit processing services