36 Credit card services namely, credit card authorization services, credit card factoring services, credit card verification, funding online cash accounts from credit card accounts, and issuance of credit cards; Debit card services, namely, debit card authorization services, debit card factoring services, debit card verification, funding online cash accounts from debit card accounts, and issuance of debit cards; Financial transaction services, namely, providing secure commercial transactions and payment options; Credit card payment processing services; Debit card payment processing services; Credit card and debit card transaction processing services; Bill payment services; Credit union services; Banking services