providing temporary use of non-downloadable software for processing electronic payment transactions and managing payment network operations; providing temporary use of non-downloadable software for payment data analysis and reporting; providing temporary use of non-downloadable application programming interface (API) software for payment processing integration; platform as a service (PAAS) featuring computer software platforms for authorization, clearing, routing, reporting and reconciliation of payment card transactions; software as a service (SAAS) services featuring software for payment card transaction authentication using online security protocols; software as a service (SAAS) services featuring software for tokenization of payment card data, namely, for replacing payment card account numbers with processor tokens and network tokens and for storing payment card data in a secure electronic vault; providing temporary use of non-downloadable software for accessing application programming interfaces (APIs) for payment card transaction processing, authentication, tokenization and reporting; providing temporary use of non-downloadable software for screening prospective merchants against payment card network merchant risk and alert databases; providing temporary use of non-downloadable software for verifying bank identification number (BIN) and account range data used in routing payment card transactions; providing temporary use of non-downloadable software for generating reports and performance statistics relating to payment card transactions; electronic data security services, namely, encryption of payment card data; providing temporary use of non-downloadable software for payment dispute management and processing chargeback notifications and defense materials; providing temporary use of non-downloadable software for updating payment card account information