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Merchant services, namely, providing online payment transaction processing services; electronic funds transfer; Automated Clearing House (ACH) transaction processing services; real-time payment transaction processing services for online stores and brick and mortar stores; wire transfer in the nature of money wiring services; gift card, debit card, and credit card transaction processing services for use by individual customers and participating businesses, both for use by members of an on-line community and in brick and mortar stores for payment, electronic funds transfer and transaction processing via a global computer network for use in connection with purchases, payments and funds transfers