Computer software for electronic payment processing, reporting data related to electronic payment processing, consolidated purchase and sales transaction reporting, fraud prevention, credit card number and personal account number tokenization, conducting business analytics, providing business intelligence, processing bill payments, managing and processing recurrent and recurring billing, processing recurrent and recurring transactions, product and inventory management, customer data management, payment scheduling, appointment and reminder scheduling, marketing automation, market onboarding, namely, customer onboarding, namely, tracking customers on social media, tracking website visits, sending automated emails, and generating customer surveys, providing payment, appointment and reminder notifications, teleconferencing, secure messaging, payment distribution, processing split payments, invoicing, metered billing, payment transaction routing, multi-currency payment processing, multi-currency transactions, multi-currency reporting, global processing of payments received globally, processing electronic deposits, processing stored value accounts, deposit transactions and processing; computer software platform for electronic payment processing that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, web based environment, and point-of-sale based environment; computer software for electronic payment processing of multiple types of payment and debt transactions; software for electronic payment processing of credit cards, debit cards, gift cards, and loyalty cards; Computer software for ACH (automated clearinghouse) transaction and payment processing; Computer software for Remote Deposit Capture of checks for transmission to a bank for posting and clearing; computer software for processing non-cash payment methods using electronic means, using a mobile application, through a website, through a desktop environment, and through payment terminals; Computer software for electronic processing of credit card transactions and electronic payments; Computer software for electronic processing of credit card transactions and electronic payments via a global computer network; Computer software for electronic foreign exchange payment processing; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, mobile computing device, and web based environment