Platform as a service (PAAS) featuring computer software platforms which enable multiple methods of payment and debt transactions integrated into point of sale kiosks mobile phones, tablets, or web based environments where the point of sale is provided at primarily small, on-site markets; Platform as a service featuring computer software platforms integrated into point of sale tools which enable consumers to purchase goods at primarily small, on-site markets using electronic check-out kiosks; none of the aforementioned including, offered in connection with, or related to services for banking, financing, payroll management, appointments, or scheduling