Payment terminals and computer software for processing payments via payment terminals; payment terminals and computer software for electronic processing of credit card, debit card, fiat, digital and virtual currency payments; apparatus consisting primarily of an electronic card reader for accepting cash, credit card and debit card payments and an electronic customer interface, and computer software for use therewith; computer software for processing electronic payments to and from third parties conducted via payment terminals and electronic credit and debit transactions; interactive electronic payment terminals to transact payments;computer software for deposits and withdrawals of money to card holders via secure terminals for electronic transactions; secure terminals for processing deposits and withdrawals of money to card holders; secure terminals for electronic transactions, namely, a device or interface that enables customers to securely convert virtual currency or digital currency into fiat money and fiat money into virtual currency or digital currency; computer software for use in contactless transactions with retailers, merchants, and vendors via secure terminals used to process electronic payments; computer software for transmitting, processing, facilitating, verifying, and authenticating transaction and payment information; computer software for the storage, transmission, verification, and authentication of payment and transaction information; computer software and computer programs for facilitating and administering payment, debit card, payment card, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data and cash disbursement; computer software for digital and virtual currency exchange; secure terminals for exchanging cash of others for digitized assets, namely, bitcoins, digital tokens, virtual currency, and digital currency; secure terminals for issuance of stored value cards