Computer software and computer programs for collecting, processing and transmitting merchant payments and related data over electronic and communications networks; equipment, including payment terminals, for processing payment card transaction data over electronic and communications networks. Research, analysis, and advice concerning the cost of merchant payment processing services; business process consulting related to payment processing systems for merchants; invoicing, collecting, and processing fees for payment processing services providers; collection, analysis, and reporting of business data and information related to payment processing; administrative services pertaining to collection, processing, analysis, and reporting of financial data related to processing debit card, credit card, and electronic payments; Financial services, namely, payment transaction processing services, financial analyses, payment transaction processing services, namely, credit card, debit card, bank card, stored value card, electronic check, online, mobile and electronic funds transfer transaction processing services, credit card services and credit card transaction processing services, debit card services and debit card transaction processing services, bank card services, namely, debit card services and credit and cash card services, bank card transaction processing services, namely, payment processing services in the nature of credit card and debit card transaction processing services, stored value card services and stored value card transaction processing services, Loyalty card transaction processing services in the nature of processing electronic payments made through prepaid cards and debit card transaction processing services, electronic payment services, namely, electronic processing and subsequent transmission of bill payment data from credit cards, debit cards, stored value cards, electronic checks, mobile and online payments, and electronic funds, all via a global computer network, electronic funds transfer and bank account settlement services via a global computer network, namely, on-line banking services, credit card, debit card, bank card, stored value card, gift card, and loyalty card program design and implementation, providing customer support services related to credit card, debit card, stored value card, electronic check, mobile, online, electronic funds, and bill payment transactions in the nature of providing financial information via call centers, leasing and renting of point-of-sale terminals, computer payment terminals, mobile payment acceptance terminals, and other payment facilitating devices. Point-of-sale terminal, computer payment terminal and mobile payment acceptance terminal operation services in the nature of connecting point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminals to association networks, merchants and financial institutions via a global computer network, namely, providing electronic telecommunication connections. Credit card, debit card, stored value card, design services; Custom design of credit card, debit card, stored value card, loyalty card, and gift cards; Information security services, namely, data encryption and tokenization services of payment card data