Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Check-by-phone payment processing services; Customized monthly electronic payment processing services, namely, credit card and debit card transaction processing services; Automated recurring payment processing services, namely, credit card and debit card transaction processing services; Website payment processing services, namely, credit card and debit card transaction processing services; Point of sale payment processing services, namely, credit card and debit card transaction processing services; Credit card payment processing services, namely, processing payment authorizations, payment voids and payment credits; Bill payment services provided through a website, namely, providing a secure payment page for others, collecting credit card data for others, running real-time transactions for others, serving a secure receipt page for others, sending out email receipts to customers of payment processing clients, and returning customers back to the original website of others; Bill payment services provided through a website, namely, on-line, secure and real-time payment processing services