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; Issuing prepaid debit cards; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Processing electronic payments made through prepaid cards; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; financial services, namely, providing on-demand payroll funds to prepaid debit cards or bank accounts to, or on behalf of employees based upon their accrued hours or already earned wages, to be made available before end of pay period