Check verification, credit recovery and collection services; check authorization services; online, real-time check authorization services; check acceptance services; check guarantee services; payment processing, namely, electronic processing of check, credit card and debit card payment transactions, automatic payment deduction services for customers and online, real-time debit of funds from payor's account and deposit to payee's account; financial risk management services; processing recurrent payments and automatically deducting such payments from bank accounts for customers; check charge services by telephone and over the Internet, namely, electronic and telephonic acceptance, authorization and processing of check transactions and electronic check conversion rendered to retail establishments at the point of sale or point of purchase, wholesalers, third party providers of check authorization and lockbox and bill remittance providers; and financial transaction processing services, namely, electronic funds transfer, electronic benefits transfer, processing employee discount and loyalty program transactions for others; collection agency services; electronic check re-presentment services, namely, electronic resubmission to financial institution on which check has been drawn for payment of a check which previously has been dishonored due to insufficient funds in payor's account; and electronic check processing services over the Internet