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Electronic funds transfer; electronic payment services, namely, making payments on behalf of consumers for goods and services purchased from merchants by the consumer, using monies transferred electronically; cashless purchasing services for merchants and consumers whereby purchase monies are held in trust and sent to merchants upon sales to consumers; debit card services; payment card services; payment service provider services to on-line and conventional merchants (businesses), utility companies and non-business service-providing organizations, namely processing payments made by consumers to merchants, utility companies and organizations such payments made online or through multiple channels call centre and automated telephone channels; purchaser and transaction verification for e-commerce transactions; stored-value account processing, namely providing the consumers of merchants (businesses) who pay for goods using credit card, with an e-wallet account for use in making secure payments to that business for future businesses; facilitating merchants (businesses), utilities and service-providing organizations to receive payments from various payment providers; providing the financial services required to permit merchants resident and shipping goods from, or providing services from, a first country to enter into transactions with individuals resident in other countries; banking services\