Bill payment services; Bill payment services provided via an integrated computer network; Check payment guarantee services; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Merchant services, namely, payment transaction processing services; Money order payment guarantee services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Rent payment services provided via an integrated computer network; Tax payment processing services