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Bill presentments

Payment processing services relating to ACH payments and credit and debit card payment processing; non-sufficient funds re-presentments, namely, re-submission of checks and ACH debits returned as non-sufficient fund items; providing electronic processing of electronic check payments; check verification; and check recovery

Software as a service services featuring payment processing application programming interfaces, virtual payment processing terminals, mobile point of sale applications, applications for processing secure payments via the internet, applications for electronic bill payments, hosted interactive voice response systems, and virtual point of sale terminals; bank and credit account verification for information security purposes; identity verification for information security purposes; secure payment transaction services, namely tokenization of payment data