42 Software as a service (SAAS), namely, services featuring a ledger and payment platform for initiating, monitoring, and reconciling payments via an application program interface that integrates with software-based services provided by payment providers, and banking and other financial institutions; providing non-downloadable software online, namely, software as a service (SAAS) featuring application programming interfaces (APIs) to allow users to integrate and embed software for payment processing, revenue management, expense management, and spending management; providing of a financial management platform for automated administration and accounting processes, namely, providing APIs that allows users to integrate the tracking and management of commercial transactions, invoicing, accounts receivable automation, billing, and bill pay automation on a global computer network; all of the foregoing for use by for use by banking and financial institutions and payment processors