Providing secured payment gateway services for vendors to process payments of third parties and for point-of-sale credit card, debit card, gift card, ACH and electronic payments; payment gateway services, namely, authorizing and processing secure, real-time payments for others over a network connection; electronic bill payment involving electronic processing and subsequent transmission of bill payment data; providing financial information by electronic means; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments via a global computer network; providing financial services, namely, facilitating financial transactions in the field of payment services, namely, electronic funds transfers and credit, debit and prepaid card transactions; check processing; credit card authorization services; credit card payment processing services; credit card transaction processing services via the Internet; credit card verification; electronic payment processing services for use by online retailers; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale, namely, providing secure commercial transactions and payment options using a mobile device at point of sale; gift card transaction processing services; merchant services, namely, payment transaction processing services; online banking and related financial services, namely, bill payment and electronic processing of electronic payments featuring a payment collection gateway and remote online payment services that link to streamline and connect card and ACH bill pay receivables; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, electronic payments; payment processing service for merchants and business management software providers utilizing point-to-point encryption and tokenization to increase payment data security