Providing temporary use of online non-downloadable software that enables users to perform electronic business transactions via a global computer network; Providing temporary use of online non-downloadable software for creating, distributing, and managing online payment processing and transmission of bill payment data; Providing temporary use of online non-downloadable software for use in payment and funds verification services, credit card verification, and providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing temporary use of online non-downloadable software for e-commerce merchants to track and manage their businesses, transactions, customers, and metrics in the fields of e-commerce, business and finance