Bill payment services; Charge card and credit card services; Credit card and payment card services; Credit card payment processing services; Credit card services; Credit card transaction processing services; Credit card verification; Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Electronic credit card transactions; Electronic payment, namely, electronic processing and transmission of bill payment data; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network