Providing temporary use of online non-downloadable computer programs for processing electronic payments; Providing temporary use of online non-downloadable software for processing electronic payments; 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; Software as a service (SAAS) services featuring software for processing, managing, and monitoring electronic payments; Platform as a service (PAAS) featuring computer software platforms for processing, managing, and monitoring electronic payments; Providing temporary use of on-line non-downloadable software and applications for processing, managing, and monitoring electronic payments