36 Electronic payment processing services, namely, credit and charge card payment processing services; electronic payment processing services relating to user liabilities, namely, payment processing services in the fields of bills, student loans, mortgages, credit cards, personal loans and auto loans payments; electronic payment processing services relating to debt repayment, namely, processing of contactless credit and debit card payments for conducting bill pay, balance transfers, loan payoffs, round up and autopay functions; electronic payment processing services for electronic wallet payments and credit and debit card payments featuring instant payment validation and payment confirmation