Exhibit 31.2

CERTIFICATION PURSUANT TO SECTION
302 OFTHE SARBANES-OXLEY ACT OF 2002

CERTIFICATION

I, J. Scott Craighead, certify
that:

|1. |  | I have reviewed this quarterly
      report on Form 10-Q of Goldleaf Financial Solutions, Inc.;                                                                                                                                                                                                                                             
|-- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
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|2. |  | Based on my knowledge, this
      quarterly report does not contain any untrue statement of a material fact
      or omit to state a material fact necessary to make the statements made, in
      light of the circumstances under which such statements were made, not
      misleading with respect to the period covered by this report;
|  
|3. |  | Based on my knowledge, the financial
      statements, and other financial information included in this quarterly
      report, fairly present in all material respects the financial condition,
      results of operations and cash flows of the registrant as of, and for, the
      periods presented in this report;                   
|  
|4. |  | The registrants other certifying
      officer and I are responsible for establishing and maintaining disclosure
      controls and procedures (as defined in Exchange Act Rules 13a-15e and
      15d-15e) for the registrant and we have:                                                                                                
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|   |  | (a)                                                                                                                                                                                                                                                                                                                                         
|  
|   |  | (b)                                                                                                                                                                                                                                                                                                                                         
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|   |  | (c)                                                                                                                                                                                                                                                                                                                                         
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|5. |  | The registrants other certifying
      officer and I have disclosed, based on our most recent evaluation of
      internal control over financial reporting, to the registrants auditors
      and the audit committee of the registrants board of directors (or persons
      performing the equivalent functions):                     
|  
|   |  | (a)                                                                                                                                                                                                                                                                                                                                         
|  
|   |  | (b)                                                                                                                                                                                                                                                                                                                                         

|Date: August 13,
      2007 |                              
|--------------------------- | -----------------------------
|                            | /s/ J. Scott Craighead       
|                            | J. Scott
      Craighead     
|                            | Chief Financial
      Officer

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