GAINS

Merchant services, namely, payment transaction processing service for merchants which utilizes point-to-point encryption and tokenization to increase payment data security; providing electronic processing of electronic funds transfer, ACH, debit card, and electronic check payments; providing secure payment gateway services, namely, application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit card, debit card, gift card, ACH and electronic check payments for merchants; electronic payment services involving electronic processing and subsequent transmission of bill payment data, namely, resubmission of declined, ACH, credit card and debit card payments