Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant services, namely, payment transaction processing services; Processing of debit card payments; Credit and cash card payment processing services; Electronic debit card transaction processing; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments