Bill payment services; online bill payment services provided through a website or internet connection; electronic payment services involving electronic processing and subsequent transmission of bill payment data; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing electronic processing of ACH and credit card transactions and electronic payments through a website or internet connection; payment and funds verification services; electronic funds transfer services; financial payment services, namely, providing secure commercial transactions and payment options; accounts payable processing services; e-payables processing services; vendor payment services in the nature of payment transaction processing services; payment processing services in the field of ACH, electronic checks, credit cards and debit cards; invoice payment processing services; virtual card payment services; check payment services; business payment services in the nature of electronic processing and subsequent transmission of bill payment data; providing a payment network in the nature of a network of payment recipients enrolled in bill payment services; clearing and reconciling financial transactions via the internet; advisory, consultancy, research and information services for the aforesaid services