Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Application service provider (ASP) featuring software for use bill payment, invoice generation and transmission, money movement, financial management, cash flow monitoring, accounting, storing documents and viewing documents; Application service provider (ASP) featuring software for use integrating ecommerce, business, transactional, financial, and analytics information and functionality into other software and platforms; Providing a secure electronic online system featuring technology which allows electronic invoicing and payment processing; Providing a web site featuring temporary use of non-downloadable software for e-commerce merchants to track and manage their businesses, transactions, customers, and metrics in the fields of business and finance; Providing a web site featuring temporary use of non-downloadable software for allowing users to perform electronic business transactions via a global computer network; Software as a service (SAAS) services featuring software for hosting software for use by others for use in payment processing and electronic invoicing; Software as a service (SAAS) services featuring software for processing mobile payment; Software as a service (SAAS) services featuring software for ensuring the security of mobile payments, of contactless transactions with retailers, merchants and vendors via mobile devices, and of credit and debit card information; Software as a service (SAAS) services featuring software for the storage, transmission, verification, and authentication of credit and debit card and other payment and transaction