Banking and financial services, namely, credit and debit card transaction processing using terminal or web based gateway entry; electronic transfer of funds; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, ACH financial transfers including but not limited to direct deposit, payroll payments, vendor payments, business- to-business payments, commission and bonus payments, expense reimbursements, vendor payments, annuities and dividend/interest payments, receivables collection, 1099 payments, tax payments; transferring funds electronically through the ACH network and the Credit Card network via the interoperability of web-based systems that communicate programmatically through Application Programing Interface communication; check processing services.