NOVAPAY

Downloadable software for processing of credit card payments, debit card payments and retail gift cards, none of which is intended for use in a college, university or other higher educational environment; electronic payment terminals, none of which is intended for use in a college, university or other higher educational environment

Electronic transfer of money, none of which is intended for use in a college, university or other higher educational environment; merchant services, namely, payment transaction processing services, none of which is intended for use in a college, university or other higher educational environment