Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for processing electronic payments, transferring funds to and from others and between financial accounts, tracking payment and debt transactions, bill presentment, bill payment, authenticating user identification, verifying financial transactions and transmitting and receiving information in the field of bill payments; Application service provider featuring application programming interface (API) software for providing electronic processing of electronic funds transfer, ACH, credit card, virtual credit card, debit card, electronic check, and electronic payments; Providing on-line non-downloadable software for processing and accepting electronic payments, transferring funds to and from others and between financial accounts, tracking payment and debt transactions, bill presentment, bill payment, bill notification, authenticating user identification, verifying financial transactions and transmitting and receiving information in the field of bill payment; Providing on-line non-downloadable software for personal financial management; Providing on-line non-downloadable software for providing coupons and rebates in order to promote the financial services of others; Providing on-line non-downloadable computer software for use as a digital wallet