Financial and banking services, namely, payment services using credit cards, debit cards, gift cards, ewallets, and mobile apps as payment acceptance methods; financial services, namely, banking transactions and payments, electronic funds transfer, electronic payment processing services involving electronic processing and subsequent transmission of payment data, electronic commerce credit card, debit card, gift card, ewallet, and/or mobile app payment processing services, merchant payment transaction processing services, payment acceptance transactions using credit cards, debit cards, gift cards, e-wallets and mobile apps; electronic payment services, namely, electronic processing and transmission of payment data; electronic payment transaction processing services accessible by means of downloadable mobile applications; credit card, debit card, gift card, ewallet, and/or mobile app authorization optimization services; financial services, namely, disbursements processing, and financial data analytics