Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; Application service provider featuring application programming interface (API) software; Software as a service (SAAS) services featuring software for payment facilitation services in the nature of payment transaction processing, payment and accounts receivables reconciliation, payment and funds verification services, secure transmission of payment and payment settlement data, electronic payment services involving electronic processing and subsequent transmission of bill payment and accounts receivable data, cash position forecasting and reporting, presentation of third party application data and visuals, and for providing secure commercial transactions and payment options; Software as a service (SAAS) services featuring software for gathering and sharing financial data across multiple financial platforms and financial institutions; User interface (UI) design