36 E-wallet payment services; Issuance of credit and debit cards; Money ordering services; Processing payments made by charge cards; Collection of payments; Payment administration services; Payment processing; Payment card services; Electronic processing of payments; Processing of electronic payments; Acceptance of bill payments; Processing of payments for banks; Conducting cashless payment transactions; Processing of debit card payments; Processing of credit card payments; Financial transfers and transactions, and payment services; Payment services provided via wireless telecommunications apparatus and devices; Issue and redemption of tokens of value; Issuance of tokens of value; Issuing tokens of value in the nature of gift vouchers; Issuing of discount coupons; Issuing of cash vouchers; Issuing of vouchers for use as money; Providing information relating to the issue of tokens of value; Issuing gift certificates which may then be redeemed for goods or services; Issuing stored value cards; Payment and receipt of money as agents; Bill payment services; On-line bill payment services; Domestic remittance services; Electronic payment services; Electronic funds transfer; Financial services relating to the withdrawal and depositing of cash; Clearing services for payment transactions; Payment and electronic money services for participation in gaming and the payment of winnings;, none of the aforementioned services being the provision of standalone identification and authentication software or services