Computer software and computer software that may be downloaded from a global computer network for processing electronic payments

Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; collection agency services; financial services, namely, cross-border and domestic funds transfers, debt settlement and bill payment services; credit recovery and collection services; check guarantee services