Providing payment processing solutions; providing non-downloadable online software for facilitating electronic payments; payment solutions provider of payment gateways and merchant accounts of others; application service provider featuring non-downloadable software featuring integrated payment gateways, merchant accounts, fraud detection, chargeback mitigation, and approval rate optimization; consultation services in the field of payment processing solutions, namely advising as to best payment gateways and merchant accounts; non-downloadable payment gateway software for linking e-commerce websites to credit card processing networks