Software design and development; Application service provider featuring application programming interface (API) software; Providing on-line non-downloadable software for enabling the transfer of financial instruments; Providing on-line non-downloadable software for receiving and transmitting financial information; Providing on-line non-downloadable software for authenticating users and verifying financial transactions; Providing on-line non-downloadable software for providing electronic processing of ACH, credit card, debit card, electronic check and electronic payments; Providing on-line non-downloadable software for enabling transactions of value to be requested from or sent to others; Providing temporary use of on-line non-downloadable software development tools; Providing on-line non-downloadable computer software for use as a digital wallet; Technical support services relating to computer software and applications