Bill payment services; Agencies for collecting electric power utility payments; Agencies for collecting gas utility payments; Collection of debts; Processing of credit card payments; Factoring agency services; Processing of electronic wallet payments; Bill payment services provided via an electronic wallet; Debt recovery and collection agencies; Debt recovery services; Issuance of credit cards; Credit card authorization services; Credit card transaction processing services; Credit card payment processing services; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Issuing prepaid debit cards; Issuing prepaid credit cards; Issuance of prepaid gift cards; Insurance agencies; Processing electronic payments made through prepaid cards; Electronic payment services by which utility customers may apply money from various sources for payment of energy costs; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Banking services; Processing virtual credit card payments; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards; Processing of contactless credit and debit card payments; Accounts payable debiting services; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores