Merchant services, namely, electronic payment transaction processing services; merchant services, namely, electronic payment transaction processing services that enable service providers, merchants, and retailers, to accept or redeem benefits from consumer purchasers provided through public and private electronic benefit transfer programs; electronic incentive and reward benefit payment processing services; electronic incentive and reward benefit payment processing services providing consumers with discounts and allowances on goods and services that reduce consumer food insecurity and health and wellness expenses, while promoting consumer purchases of healthy foods and health and wellness related goods and services