Electronic payment processing services, namely, credit and charge card payment processing services; electronic payment processing services relating to user liabilities, namely, payment processing services in the fields of bills, student loans, mortgages, credit cards, personal loans and auto loans payments; electronic payment processing services relating to debt repayment, namely, processing of contactless credit and debit card payments for conducting bill pay, balance transfers, loan payoffs, round up and autopay functions; electronic payment processing services for electronic wallet payments and credit and debit card payments featuring instant payment validation and payment confirmation

Software as a Service (SaaS) services featuring software for use in conducting financial planning and debt management; Software as a Service (SaaS) services featuring software for identifying and paying consumer debt; Software as a Service (SaaS) services featuring software for identifying a debtor, retrieving a debtor's liabilities, and initiating payment to settle a debtor's liabilities via a single Application Programming Interface (API); Software as a Service (SaaS) services featuring software for use in providing embedded banking services; Software as a Service (SaaS) services featuring software for use in providing embedded banking services in particular software for use by third parties to retrieve and pay their user's debts, bill pay, credit card debt, student loan debt, auto loan debt, personal loan debt, and mortgage debt