42 Software as a service (SAAS) services featuring software for accepting and processing product returns, exchanges and refunds; providing temporary use of non-downloadable software for accepting and processing product returns, exchanges and refunds; Software as a service (SAAS) services featuring software for processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network; Software as a service (SAAS) featuring software for tracking, monitoring, and analyzing return analytics, user behavior, and customer satisfaction; application service provider featuring application programming interface (API) software; Platform as a service (PAAS) featuring software for accepting and processing product returns, exchanges and refunds; providing temporary use of online, non-downloadable financial software platforms for facilitating financial transactions to enable a customer to purchase, return, or exchange goods; Software as a service (SAAS) services featuring software for tracking and managing ongoing personal subscriptions, membership accounts, and service accounts