42 Providing online non-downloadable computer software platforms for managing, authenticating and processing online credit and debit card transactions, managing, authenticating and processing contactless transactions, managing, authenticating and processing cryptocurrency transactions, and managing, authenticating and processing direct transfers and other methods of bill transaction payments; Software as a service (SAAS) services featuring software for managing, authenticating and processing online credit and debit card transactions, managing, authenticating and processing contactless transactions, managing, authenticating and processing cryptocurrency transactions, and managing, authenticating and processing direct transfers and other methods of bill transaction payments; Software as a service (SAAS) services featuring software for providing, processing, verifying and authenticating payments