Payment processing and transaction processing services; electronic processing and transmission of electronic funds transfer, automated clearing house (ACH), electronic check and electronic payments; payment authorization services; payment verification services; payment gateway services, namely, authorizing and processing secure, real-time payments for others over a network connection; financial services, namely, online, real-time payment processing and payment financial management; retail and electronic banking and financial transaction services, namely, ACH transactions and electronic fund transfers; merchant payment processing services; banking and financial services in the nature of remittance processing services; financial services, namely, automated billing payment and payment processing services that enable merchants to receive, process and manage payments from their customers; financial services, namely, billing payment and payment processing services that enable consumers to make purchases from a bank account; financial advisory and information services in the field of payment and financial transaction processing