Electronic payment processing services for electronic wallet payments and credit and debit card payments featuring instant payment validation and payment confirmation; electronic payment processing services relating to debt repayment, namely, processing of contactless credit and debit card payments for conducting bill pay, balance transfers, loan payoffs, round up and autopay functions; electronic payment processing services relating to user liabilities, namely, payment processing services in the fields of bills, student loans, mortgages, credit cards, personal loans and auto loans payments; electronic payment processing services, namely, credit and charge card payment processing services; financial planning and debt management services; financial services, namely, identifying and paying consumer debt; financial services, namely, identifying a debtor, retrieving a debtor's liabilities, and initiating payment to settle a debtor's liabilities; providing embedded banking services