Exhibit 10.2

SECOND AMENDMENT
TO AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT

         THIS SECOND AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY
AGREEMENT (the “Amendment”) is made and entered into as of September 28, 2002 by
and betweenWachovia Bank, National Association, as successor-in-interest to
First Union National Bank (“Lender”), and INTERCEPT, INC., a Georgia corporation
(“InterCept”), C-TEQ, INC., an Oklahoma corporation (“CTEQ”), SBS DATA SERVICES,
INC., an Alabama corporation (“SBS”), DPSC ACQUISITION CORP., a Georgia
corporation (“DPSC”), ICPT ACQUISITION I, LLC, a Georgia limited liability
company (“ICPT”), INTERCEPT COMMUNICATIONS TECHNOLOGIES, INC., a Georgia
corporation (“ICT”), INTERCEPT SERVICES, LLC, a Georgia limited liability
company (“ICPT Services”), INTERCEPT TX I, LLC, a Georgia limited liability
company (“ICPT TX”), INTERCEPT OUTPUT SOLUTIONS, LP, a Texas limited partnership
(“ICPT Output”), INTERNET BILLING COMPANY, LLC, a Georgia limited liability
company (“IBC”), INTERCEPT SUPPLY, LP, a Texas limited liability partnership
(“ICPT Supply”), iBILL CALIFORNIA, LLC, a California limited liability company
(“iBill CA”), LIBERTY MERCHANT SERVICES, LLC, a Florida limited liability
company (“Liberty”), iBILL TECHNOLOGIES, LLC, a Florida limited liability
company (“iBill Technologies”), iBILL CORP., a Delaware corporation (“iBill
DE”), iBILL GAP, LLC, a Florida limited liability company (“iBill GAP”), CSR
BILLING.COM, LLC, a Florida limited liability company (“CSR”), ELECTRONIC
PAYMENT EXCHANGE, INC., a Delaware corporation (“EPX”) and CREDIT CARD SERVICES,
INC., a Delaware corporation (“CCS”), (each of InterCept, CTEQ, SBS, DPSC, ICPT,
ICT, ICPT Services, ICPT TX, ICPT Output, ICPT Supply, IBC, iBill CA, Liberty,
iBill Technologies, iBill DE, iBill GAP, CSR, EPX and CCS is referred to herein
as a “Borrower” and collectively as the “Borrowers”).

WITNESSETH:

         WHEREAS, the Borrowers and Lender are party to that certain Amended and
Restated Credit Agreement, dated as of December 21, 2001 (together with all
amendments and other modifications, if any, from time to time hereafter made
thereto, the “Credit Agreement”);

         WHEREAS, the Credit Agreement was subsequently amended by Borrowers and
Lender pursuant to that certain First Amendment to Amended and Restated Loan and
Security Agreement dated July 1, 2002 (the “First Amendment”).

         WHEREAS, pursuant to the First Amendment, Borrowers executed and
delivered that certain Term Note dated July 1, 2002, in the original principal
amount of $10,000,000.00 (the “Term Note”).

         WHEREAS, the obligations under the Term Note matured on September 28,
2002 and Borrowers have requested Lender renew the Term Note pursuant to the
terms and conditions contained herein;

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         NOW, THEREFORE, for and in consideration of the above premises and
other good and valuable consideration, the receipt and sufficiency of which
hereby are acknowledged by the parties hereto, Lender and Borrowers hereby
covenant and agree as follows:

         1.       Definitions.Unless otherwise specifically defined herein, each
term used herein which is defined in the Credit Agreement shall have the meaning
assigned to such term in the Credit Agreement. Each reference to “hereof,”
“hereunder,” “herein” and “hereby” and each other similar reference and each
reference to “this Credit Agreement” contained in the Credit Agreement shall
from and after the date hereof refer to the Credit Agreement as amended hereby.

         2.       Amendments to Article 1 of the Credit Agreement.

                  (a)   Section 1.1(ii) of the Credit Agreement is hereby
deleted in its entirety and the following is inserted in lieu thereof:

  “(ii)   The outstanding principal balance of the Term Loan, and all accrued
and unpaid interest due pursuant to the Term Loan, shall be payable on November
30, 2002.”

         3.       Conditions to this Amendment. This Amendment shall not become
effective unless each of the following conditions shall have been satisfied:

                  (a)   Representations and Warranties. The representations and
warranties of Borrowers set forth in the Credit Agreement, the Term Note, this
Amendment, and in all agreements, documents and instruments executed and
delivered pursuant to the Credit Agreement, Term Note or this Amendment, other
than those representations or warranties that speak as of a specific date, shall
be true and correct in all material respects when made or deemed made under the
Credit Agreement, the Term Note or this Amendment, except as otherwise disclosed
in writing.

                  (b)   No Defaults. After giving effect to the terms of this
Amendment, there shall be no Default or Event of Default or event which, with
notice or passage of time or both, would constitute a Default or Event of
Default under the Credit Agreement or the Term Note.

                  (c)   Principal Reduction. On or prior to this date of this
Amendment, Borrowers shall pay to Lender a principal payment of $5,000,000.00.

                  (d)   Renewal Fee. On or prior to the date of this Amendment,
Borrowers shall pay to lender a renewal fee for the Term Loan of $25,000.00 (the
“Renewal Fee”), which Renewal Fee shall be deemed fully earned and
non-refundable upon payment to Lender.

         4.       Representations. As a material inducement to Lender to enter
into this Amendment, each Borrower warrants and represents to Lender that (a)
all warranties and representations of Borrowers set forth in the Credit
Agreement and the Term Note were true and correct in all material respects when
made and, other than those representations or warranties that speak as of a
specific date, remain true and correct in all material respects as of the date

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hereof, except as otherwise disclosed in writing to Lender; (b) it is not aware
of the occurrence of any material adverse change in its business, properties,
operations or conditions (financial or other), taken as a whole since June 30,
2002; (c) as of the date hereof, and after giving effect to the terms hereof,
there are no Defaults or Events of Default or events which, with notice or
passage of time or both, would constitute Defaults or Events of Default under
the Credit Agreement or the Term Note; and (d) there exists no right of offset,
defense, counterclaim, claim or objection in favor of Borrowers arising out of
or with respect to the Credit Agreement or the Term Note.

         5.       Effect of Amendment. Except as set forth expressly
hereinabove, all terms of the Credit Agreement, the Term Note and the other Loan
Documents shall be and remain in full force and effect, and shall constitute the
legal, valid, binding and enforceable obligations of Borrowers. The amendments
contained herein shall be deemed to have prospective application only, unless
otherwise specifically stated herein.

         6.       Ratification. Each Borrower hereby restates, ratifies and
reaffirms each and every term, covenant and condition set forth in the Credit
Agreement and the Term Note, as amended hereby, and the other Loan Documents
effective as of the date hereof.

         7.       Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.

         8.       Headings. Section titles and references used in this Amendment
shall be without substantive meaning or content of any kind whatsoever and are
not a part of the agreement among the parties hereto evidenced hereby.

         9.       Further Assurances. Each Borrower agrees to take such further
actions as Lender may reasonably request in connection herewith to evidence the
amendments herein contained.       

         IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed and delivered in their names and on their behalf, and their seals to be
affixed and attested, all as of the day and year first above written.

    INTERCEPT, INC.    
  By: 
 /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERNET BILLING COMPANY, LLC         By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    iBILL CALIFORNIA, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    LIBERTY MERCHANT SERVICES, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    iBILL TECHNOLOGIES LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    iBILL CORP.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    IBILL GAP, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    CSR BILLING.COM, LLC    
  By: 
 /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    ELECTRONIC PAYMENT EXCHANGE, INC.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    CREDIT CARD SERVICES, INC.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    C-TEQ, INC.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    SBS DATA SERVICES, INC.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    DPSC ACQUISITION CORP.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    ICPT ACQUISITION I, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERCEPT COMMUNICATIONS
TECHNOLOGIES, INC.    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERCEPT SERVICES, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERCEPT TX I, LLC    
  By: 
  /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERCEPT OUTPUT SOLUTIONS, LP    
  By: 
 /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    INTERCEPT SUPPLY, LP    
  By: 
 /s/ Scott R. Meyerhoff

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        Name:   

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        Title:   

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    WACHOVIA BANK, NATIONAL
ASSOCIATION, as successor-in-interest to
FIRST UNION NATIONAL BANK    
  By: 
 /s/ Jim Ulmer

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        Name:       Jim Ulmer

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        Title:       SVP

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