Providing temporary use of on-line non-downloadable software for processing electronic payments; Platform as a service (PaaS) services featuring computer software platforms for processing electronic payments; Application service provider featuring application programming interface (API) software for storage of credit card data and processing of electronic payments by means of providing application programming interface (API) software; Providing application programing interface (API) services, namely, providing an interactive web site featuring web site technology that allows users to manage API software to store credit card data and process electronic payment; Software as a service (SaaS) services featuring computer software platform and APIs for processing electronic payments and storing credit card data, transaction processing and optimization in the nature of processing and analyzing online payment transactions; Software as a service (Saas) featuring computer software platform and APIs for providing revenue optimization through data services, analysis and reporting in the nature of gathering and analyzing payment transaction data to detect sales patterns