Electronic payment services involving electronic processing and transmission of bill payment data; providing electronic payment services, namely, virtual credit card services; electronic payment processing services in the field of credit cards, virtual credit cards, debit cards, bank cards, prepaid cards, stored value cards, checks, automated clearing house (ACH), electronic funds transfer (EFT) and smart phone and mobile device payment accounts; providing electronic processing of credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, automated clearing house (ACH), and electronic funds transfer (EFT) at the point of sale, online, or on a mobile device via a global computer network; credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, checking account, savings account, automated clearing house (ACH) and smart phone and mobile device payment accounts verification services; credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, checking account, savings account, automated clearing house (ACH) and smart phone and mobile device payment accounts authorization services; electronic funds transfer services; providing financial account management services and financial clearance services in the nature of clearing and reconciling financial transactions; clearing and reconciling financial transactions via a global computer network; providing account transaction information to merchants and suppliers, namely, credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, checking account, savings account, automated clearing house (ACH) and smart phone and mobile device payment accounts transactions information and balances via a secure internet website; information, advisory and consultancy services related to credit card, virtual credit card, debit card, bank card, prepaid card, stored value card, check, checking account, savings account, automated clearing house (ACH) and smart phone and mobile device payment accounts transaction processing services; information, advisory, and consultancy services related to asset management and cashflow analysis; financial transaction services, namely, providing secure commercial transactions and payment options; financial risk assessment services; financial due diligence