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Payment processing services, namely, credit card, debit card and ACH transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; gift card transaction processing services; loyalty card payment and loyalty program payment processing services; reward card and reward program payment processing services; merchant services, namely, payment transaction processing services; and providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network