Providing online, non-downloadable computer software, namely, software for multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; platform as a services (Paas) for multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Providing online, non-downloadable computer software, namely, payment gateway software for connecting e-commerce websites to credit card processing networks; application service provider (ASP) for e-commerce software for use as a payment gateway that authorizes processing of credit cards or direct payments for merchants; developing and hosting a server on a global computer network for the purpose of facilitating e-commerce via such a server