Computer hardware and recorded software systems for enabling users to purchase goods and services electronically; downloadable computer software for processing electronic payments, for deferred payments and instalment loans; bank cards, credit cards, debit cards, prepaid cards, shopping cards, cash machines, ATMs, POS machines; downloadable digital files authenticated by security tokens, encryption devices, and cryptographic keys, allowing to initiate card transaction and electronic payments; computer readable cards for financial transactions, namely, magnetically encoded credit cards, magnetically encoded debit cards, microchip credit cards, and microchip debit cards; downloadable software for processing financial transactions associated with computer readable debit and credit cards, electronic account to account payments through Instant Credit Transfer (SCT inst.), electronic payments through digital wallets

Financial transfers and transactions, and payment services; broad based financial services, namely, credit card services, debit card services, charge card services, bank card services, pre-paid card services, electronic payment card services, electronic account to account payment services, processing of electronic payments through digital wallets and electronic commerce payment services; Electronic funds transfer and currency exchange services, electronic credit and debit transactions, cash disbursement, issuance of prepaid card and tokens of value, payment tokens; processing of electronic payments made through debit/prepaid and/or credit cards; processing of electronic payments account to account made through instant credit transfer (SCT inst.); processing electronic payments made through electronic payment solutions; financial clearing; transaction authorization and settlement services, electronic payment processing services, credit card and debit card verification, payment transaction authentication and verification services, processing person-to-person payment services or electronic money transfers through electronic means via a global computer network and/or through Instant Credit Transfer (SCT inst.); Supporting the issuance of credit and debit cards; issuing tokens for card transaction, issuing IBAN tokens for electronic payments account to account made through Instant Credit Transfer (SCT inst.); issuing tokens of value as a reward for customer loyalty; issuing of tokens of values in relation to incentive schemes; supporting the issuance of electronic payment cards in connection with bonus and reward schemes; processing electronic payment solutions in connection with bonus and reward schemes; Banking services relating to the transfer of funds from account to account; instant financing services; currency conversion services; electronic cash transactions; money wiring services; cash dispenser services; cash card services; credit and cash card services; cash, check and money order services; cash dispensing card-actuated services; money deposit services; provision of cash dispenser facilities for money withdrawal; ATM banking services; cashback services, namely, cash withdrawal linked to a payment for a purchase at a point of sale; Added value services, namely, loyalty point payment processing services, digital wallets payment services, e-wallet payment services, electronic wallet services, digital ID services, digital purchase receipts and digital payment receipts, payment insurance services, insurance services relating to purchase protection for goods purchased using credit, debit cards or through Instant Credit Transfer (SCT inst.); electronic currency transfer; brokerage services relating to the retail trade; business liquidation services, namely, financial; financial intermediary/brokerage services; pre-dispute, dispute and arbitration chargeback services; Deferred payments services, namely, buy now pay later services, credit assessment, installment loans, credit information services, hire-purchase financing; Fundraising and financial sponsorship; financial sponsorship and patronage; payment services covering fund raising, crowdfunding and charitable fundraising services; Financial analysis and consultation, namely, providing a wide range of financial information and analysis to financial institutions, merchants and other organizations by electronic means in connection with credit cards, debit cards and other payment cards, account to account payments, marketing data, cardholder spending, fraud, risk management, terminated merchants and reporting of chargebacks on credit and debit cards; Banking and providing of information relating to banking; providing banking and financial services via global computer networks; home banking; on-line and mobile banking; providing financially-guaranteed payment for commercial transactions; providing electronic mobile payment services for others; providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; mobile financial services, namely, enabling payments and transfers using mobile wallets and conducting transactions between them