Providing temporary use of on-line non-downloadable software and applications for providing and processing secure transactions for electronically transmitted credit card, smart card and debit card payments; installation, repair, and updating of computer software services in connection with software used in electronic payments terminals; leasing of computer hardware, pin pads, peripheral devices, electronic payment terminals, mobile electronic payment devices, and commercial transaction and payment processing software for use in financial and retail transactions; providing temporary use of online non-downloadable computer software for use in secure processing of commercial transactions and payments via credit card, debit card, smart card, loyalty card, gift card, stored value card, electronic benefits transfer (ebt) card, bank transfer, electronic check and electronic payments over a global computer network; providing temporary use of online non-downloadable software to enable secure electronic payment and commercial transaction acceptance and processing; providing temporary use of online non-downloadable software to authorize, process, and manage credit card and debit card transactions; providing temporary use of online non-downloadable software for creating reports on credit card and debit card transactions; providing temporary use of non-downloadable software for managing health savings accounts (HSA), flexible spending accounts (FSA), and electronic benefits transfer (EBT) transactions; software as a service (SaaS) services featuring software for processing payments and managing financial transactions related to health savings accounts (HSA), flexible spending accounts (FSA), and electronic benefits transfers (EBT)