VISA DIRECT

Financial services, namely, bill payment services, electronic payment services involving electronic processing and subsequent transmission of bill payment data, electronic commerce payment services in the nature of establishing funded accounts used to purchase goods and services on the Internet, processing electronic payments made through prepaid cards, and providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; banking services; credit card services; debit card services; pre-paid credit card services; electronic credit card and debit transactions; electronic funds transfer; credit card payment processing services; credit card verification services; currency exchange services; online banking services; financial services, namely, electronic remote check deposit services; automated teller machine services; electronic cash transactions, namely, cash disbursement services; providing financial information via a global computer network

Providing user authentication of electronic funds transfer, credit and debit card and electronic check transactions