GARDR

Downloadable software for enabling electronic transactions and bill payments; downloadable software for enabling processing of electronic funds transfers and payments, namely, receipt, processing and payment of invoices and funds via ACH (automated clearing house), credit card, debit card, electronic check, wire transfer, VCN (virtual card number) and electronic, mobile and online payments

Payment processing services, namely, physical and virtual credit, debit, and prepaid card and credit, debit, and prepaid electronic device transaction processing services; Stored value prepaid card services, namely, processing electronic payments made through physical and virtual prepaid cards; Managed services, namely financial administration of physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Managed services, namely, fraud mitigation in the nature of fraud reimbursement services for purchases made with physical and virtual credit, debit, and prepaid card accounts and other payment accounts; Financial consulting services related to the use by businesses of credit, debit, prepaid, and deferred payment physical and virtual cards, codes, or devices, and other forms of payment transactions

Providing temporary use of online, non-downloadable software for enabling the electronic transfer of money between users; providing temporary use of online, non-downloadable software for enabling processing of electronic funds transfers via ACH (automated clearing house), credit card, debit card, electronic check, wire transfer and VCN (virtual card number) and bill payments; application service provider (asp) featuring software for use in bill payment, invoice generation and transmission, money movement, financial management, cash flow monitoring, managing and racking accounting data, storing documents and viewing documents; software as a service (SaaS) featuring secure computer software platforms for electronic payment, payment tracking, payment reporting, payment scheduling, and early payment discounts; hosting web portals to enable electronic financial transaction and bill payment processing services; hosting an on-line computer website that provides accounting services, namely, accounts management, reports and information regarding accounts management