Downloadable computer software for the provision of instant refunds in any currency; Automatic teller machines (ATM), namely, automatic money processing apparatus for the delivery of money; Cash dispensers, namely, apparatus for receiving cash payments; Downloadable computer programs for financial management and payments; Downloadable computer programs for financial reporting; Downloadable computer programs for use in payment processing data relating to financial records; Downloadable computer programs relating to financial and payment matters; Downloadable software applications (apps) for facilitating instant refunds in any currency; Electronic financial transaction apparatus, namely, electronic machines for reading credit and debit cards and recording financial payment operations; Encoded electronic chip cards, namely, encoded cards for use in relation to the electronic transfer of funds; Magnetically encoded debit payment cards; Credit cards, magnetically encoded; Magnetically encoded credit and debit cards; Multifunction cards (encoded) for financial services, namely, encoded electronic chip cards, QR codes for financial services; Multifunction cards (magnetic) for financial services, namely, magnetic coded cards for financial services; Electronic card readers, namely, terminals for the electronic payment of charges with credit cards; Electronic card readers, namely, terminals for electronically processing QR code, credit and debit card payments