Platform as a Service (PaaS) enabling and facilitating payment of funds related to digital orders for food, beverage and/or other products, including without limitation restaurant orders, catering orders, convenience store orders and grocery orders; non-downloadable software, namely, a payment processing system that securely collects funds from consumers for digital orders for food, beverage and/or other products, including without limitation restaurant orders, catering orders, convenience store orders and grocery orders and transmits payments to merchant banks