Downloadable software for use in electronic transfer of money for others; downloadable software for use in electronic funds transfer; downloadable software for use in services for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other forms of payments, namely, electronic payment processing; downloadable software for use in merchant services, namely, payment transaction processing services; downloadable software for use in financial transaction services, namely, providing secure commercial transactions and payment options at a point of sale; downloadable software for use in e-commerce and the retail industry, namely, software for point of sale transactions, online shopping, tracking deliveries, use as a digital wallet, and discovering and recommending businesses and their products and services; downloadable application programming interface (API) software that enables developers to build and access software applications for use in the retail and e-commerce industry; and downloadable software for advertising and marketing