Providing multiple payment options by means of omnichannel solutions, customer-operated electronic terminals available on-site in retail stores and software as a solution services based online point of sale or digital wallet operator

Platform as a service (PAAS) featuring computer software platforms for accommodating multiple types of payment and debit transactions in an integrated mobile phone, PDA, and web-based environment; Software as a service (SAAS) services featuring software for linking e-commerce websites to credit card processing network; Cloud-based software as service (SAAS) application service provider (ASP) featuring e-commerce software for mail telephone orders, electronic bill presentment and payment, digital wallet operators, and buy now pay later services for use as a payment gateway that authorizes processing of credit cards, debit cards, ACH and other methods of payments for merchants