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                                                                   EXHIBIT 10.15

                                                        EXECUTION COPY 2/28/2000


                        AMENDMENT TO ATM CASH AGREEMENTS
                        --------------------------------

This amendment ("Amendment") is made effective as of the 20th day of February,
2000, by and between eFunds Corporation (f/k/a Deluxe Electronic Payment
Systems, Inc.), 400 West Deluxe Parkway, Milwaukee, Wisconsin 53212 ("eFunds")
and Access Cash International, Inc., 4105 N. Lexington, Arden Hills, Minnesota
55126 ("Access").

WHEREAS, eFunds and Access are parties to the ATM Cash Agreements (as defined
below) and the Currency Control Agreement (as defined below); and

WHEREAS, eFunds and Access desire to modify certain provisions of the ATM Cash
Agreements as set forth in this Amendment.

NOW, THEREFORE, in consideration of the mutual promises set forth below and
other good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, the parties agree as follows:

1.  Definitions.
    ------------

Except as otherwise specifically indicated or where the context clearly requires
otherwise, the following terms shall have the meanings ascribed to them below
for purposes of this Amendment.

     1.1  Certain Defined Terms

          "Currency Control Agreement" shall mean the Currency Control Agreement
          dated November 15, 1999 and entered into by and between eFunds and
          Access and effective as of June 24, 1998, as the same may from
          time-to-time be amended, supplemented, or otherwise modified.

     1.2  Other Defined Terms

          For purposes of this Amendment, the following terms shall have the
          respective meanings given them in the Currency Control Agreement: ATM;
          ATM Cash Agreements; and ATM Currency.

2.   Amending Provisions.
     --------------------

     2.1  Notwithstanding any provision of any ATM Cash Agreement to
          the contrary, the total amount of ATM Currency outstanding in all
          ATMs under the ATM Cash Agreements at any point in time, and the total
          amount of ATM Currency that eFunds shall be obligated to make
          available for all ATMs under the ATM Cash Agreements, shall not exceed
          thirty-five million dollars ($35,000,000); provided, however, that
          there shall be no commingling of ATM Currency between or among the
          respective ATM Cash Agreements under any circumstances.

     2.2  Unless otherwise agreed by the parties, total ATM Currency outstanding
          in ATMs under each ATM Cash Agreement, and the total amount that
          eFunds shall





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          be obligated to make available for ATMs under each ATM Cash Agreement,
          shall not exceed the following respective amounts: (a) for the June
          24, 1998 ATM Cash Agreement relating to ATMs located at Total
          Petroleum and Diamond Shamrock branded convenience store locations:
          $3,000,000; (b) for the March 19, 1999 ATM Cash Agreement relating to
          ATMs located at American Store, Inc. locations: $6,000,000; (c) for
          the August 23, 1999 ATM Cash Agreement relating to ATMs located at
          Kmart Corporation locations: $12,000,000; and (d) for the November 15,
          1999 ATM Cash Agreement relating to ATMs located at Shell Oil Company
          and Texaco Oil Company locations: $14,000,000. Access may, from time-
          to-time during the term of the Currency Control Agreement, request in
          writing to change the foregoing ATM Currency amounts under the
          respective ATM Cash Agreements, subject to Section 2.1 of this
          Amendment, eFunds agrees not to unreasonably withhold its consent to
          any such written request by ACI, subject to Section 2.1 of this
          Amendment.

     2.3  Access shall at all times manage ATM Currency requirements under the
          ATM Cash Agreements to optimize the amount of cash in ATMs with the
          express purpose of keeping no more ATM Currency in individual ATMs
          than is reasonably necessary to keep sufficient funds in the ATMs
          between replenishment dates.

3.   No Other Modifications; Order of Preference.
     --------------------------------------------

     3.1  Except as modified hereby, the terms and conditions of the ATM Cash
          Agreements shall remain in full force and effect without modification.

     3.2  In the event of any conflict or inconsistency between the provisions
          of this Amendment, any ATM Cash Agreement, and/or the Currency
          Control Agreement, the following order of precedence shall apply: (a)
          in all cases, the provisions of the Currency Control Agreement shall
          prevail; (b) second, the provisions of this Amendment; and (c)
          finally, the provisions of the applicable ATM Cash Agreement(s).

IN WITNESS WHEREOF, Access and eFunds have caused this Amendment to be duly
executed and delivered as of the date first above written.


ACCESS CASH INTERNATIONAL, INC.                  EFUNDS CORPORATION

By: /s/ Frank A. Capan                           By: /s/ Debra A. Janssen
   -----------------------------------------         ---------------------------
Name: Frank A. Capan                             Name: Debra A. Janssen
      --------------------------------------           -------------------------
Title: President and Chief Executive Officer     Title: President
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Date:                                            Date:
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