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; Providing a web site featuring technology that enables users to access and use e-commerce services; Providing a web site featuring technology that enables users to configure e-commerce platforms; Providing a web site featuring technology that enables users to provide development tools for e-commerce platforms and services; Providing a web site featuring technology that enables users to provide e-commerce development tools; Providing a web site featuring technology that enables users to perform electronic business transactions; Software as a service (SAAS) services featuring software for providing e-commerce services; Software as a service (SAAS) services featuring software for configuring e-commerce platforms; Software as a service (SAAS) services featuring software for providing development tools for e-commerce platforms and services; Software as a service (SAAS) services featuring software for developing, configuring, and designing an e-commerce platforms and services; Software as a service (SAAS) services featuring software for providing, designing, configuring, and developing business processes and systems related to e-commerce; Software as a service (SAAS) services featuring software for e-commerce platforms; Software as a service (SAAS) services featuring software for providing e-commerce development tools; Software as a service (SAAS) services featuring software for providing e-commerce development tools for e-commerce transactions; Software as a service (SAAS) services featuring software for performing electronic business transactions; Software as a service (SAAS) services featuring software for facilitating e-commerce services and transactions; User authentication services using technology for e-commerce transactions