Providing financial services, namely, facilitating financial transactions in the field of payment services, namely, electronic funds transfers and payment card transactions for business, government, education institutions and non-profit entities; providing financial transaction information and reports concerning the clearing and reconciling of financial transactions on-line via an Internet website and through other electronic means to business, government, education institutions and non-profit entities; bill payment services; bill payment services provided through a website; merchant services, namely, payment transaction processing services; accounts payable debiting services; accounts receivable crediting services; providing an on-line searchable database featuring information about accounts payable debiting, bill payment, finances, processing electronic payment made through credit card and EFT transaction processing services; financial consulting services in the field of payment management, accounts payable, accounts receivable, bill payment, finances, payment processing, and financial transaction processing; providing tax payment management benchmarking information to businesses, government, education institutions and non-profit entities; providing credit card and EFT payment processing services benchmarking information to businesses, government, education institutions and non-profit entities; bill payment services, namely, paying the business suppliers of others in exchange for future payment