Providing charitable fundraising services for others by facilitating electronic payments by electronic mail or a web based electronic network; electronic payment processing services that facilitate making electronic purchases by electronic mail or a web based electronic network; financial transaction services for others, namely, clearing and reconciling financial transactions, and providing secure commercial transactions and payment options by electronic mail or a web based electronic network; electronic processing and subsequent transmission of bill payment data by means of providing links for processing and payment of bills via electronic mail or a web based electronic network; electronic commerce payment processing services that provide for payment by electronic mail or a web based electronic network