Software as a service (SAAS) services featuring software for use in providing financial, payment, billing and order data anomaly detection, monitoring, pattern detection, analysis, management, aggregation, normalization, and visualization; software as a service (SAAS) services featuring software for use in providing access to financial, payment, billing and order benchmarking information and other market intelligence to merchants; application service provider featuring application program interface (API) software for use in accessing detailed bank and market data based on a payment card's Bank Identification Number (BIN) or Issuer Identification Number (IIN); application service provider featuring application program interface (API) software for enabling users to access card network tokenization services to secure, obtain, manage and use tokenized cardholder data; application service provider featuring application program interface (API) software for enabling users to tokenize customer payment data; application service provider featuring application program interface (API) software for use to securely store and exchange financial, payment, billing, and order data, and to access updated customer payment card data; application service provider featuring application program interface (API) software for use to securely access card network services to update stored payment card data; application services provider featuring application program interface (API) software for use in connection with financial, payment, billing and order data warehousing, data integration, data analytics, data management and secure data sharing; application service provider featuring application program interface (API) software for identifying opportunities for retrying failed payment transactions, billing, and orders; application service provider featuring application program interface (API) software for determining optimal payment routes based on historical and modeled data; data encryption services for providing security and anonymity for electronically transmitted credit card transaction