Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, crypto assets, electronic check and electronic payments, all in real-time; Financial transaction services, namely, providing secure commercial transactions and payment options; financial transaction services, namely, providing secure commercial transactions and payment options using the internet, and using mobile devices at a point of sale; loyalty coupon payment processing services; providing an internet website portal in the field of financial transaction and payment processing services; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale