Platform as a Service (PaaS) and Software as a Service (SaaS) enabling and facilitating fraud prevention, payment of funds, reconciliation and reporting related to digital orders for food, beverage and/or other products, including without limitation restaurant orders, catering orders, convenience store orders and grocery orders; non-downloadable software, namely, a payment processing system that securely collects funds from consumers for digital orders for food, beverage and/or other products, including without limitation restaurant orders, catering orders, convenience store orders and grocery orders and transmits payments to merchant banks