Providing temporary use of online, non-downloadable software for processing electronic payments and for transferring funds to and from others; Providing temporary use of online, non-downloadable software for enabling processing of electronic funds transfers and payments made via ACH (Automated Clearing House), credit card, debit card, electronic check and electronic, mobile, and online payments; Providing temporary use of online, non-downloadable software for creating, preparing, managing, sending, processing, tracking, and reconciling invoices; Providing temporary use of online, non-downloadable software for processing electronic payments and for transferring funds to and from others; providing temporary use of online, non-downloadable authentication software for controlling access to and communications with computers and computer networks; providing temporary use of online, non-downloadable software for electronic payment services, namely, electronic processing and transmission of electronic funds transfer and payments via wireless wallets, mobile wallets, and electronic wallets