Providing cloud-based software that allows customers to manage their account and financial transactions online; Payment processing services, namely, credit card and debit card transaction processing services; Processing credit card payments; Processing debit card payments; Charge card payment processing services; Credit card payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic processing of insurance claims and payment data; Merchant services, namely, payment transaction processing services; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing cloud-based software that allows customers to manage their account and financial transactions online; Providing payers ability to setup automated recurring payments; Providing software integration between ePayPolicy software and insurance accounting management systems to facilitate sharing of invoice and payment information; Providing payment services by ACH or traditional check between mutual ePayPolicy customers; Providing lockbox services with automated reconciliations that enable customers to manage their physical check payments