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Electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services on the Internet; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Payment processing services, namely, credit card and debit card transaction processing services; Processing electronic payments made through prepaid cards; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores