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                                                                  EXHIBIT 10.9.2

                               SECOND AMENDMENT
                                      TO
                     CREDIT AGREEMENT AND PROMISSORY NOTE

This Second Amendment ("Second Amendment") is made effective as of February 28,
2000 between ClearCommerce Corporation ("Borrower") and Imperial Bank, a
California banking corporation ("Bank") and amends certain provisions of that
certain Credit Agreement dated as of July 20, 1999 (the "Credit Agreement") and
that certain First Amendment to Credit Agreement and Promissory Note and
Forbearance dated as of September 14, 1999 (the "First Amendment") between
Borrower and Bank as provided below. The Credit Agreement and First Amendment
shall be referred to jointly as the Agreement. Unless specifically defined, all
terms as used herein shall have the meanings set forth in the Agreement and
First Amendment.

1.  Waiver and Termination of Forbearance. Bank waives Borrower's default for
    -------------------------------------
    the months ending September, October and November, 1999 of Section 4.06 of
    the Credit Agreement requiring Borrower to maintain a minimum Liquidity
    Ratio of at least 1.50:1.00. The forbearance set forth in Section 2 of the
    First Amendment is hereby terminated, nullified and of no further force and
    effect.

2.  Compliance with Liquidity Covenant.  Borrower and Bank hereby acknowledge
    -----------------------------------
    that for the month ending December 31, 1999, Borrower was in compliance with
    Section 4.06 of the Credit Agreement.

3.  Interest Rate.
    --------------
    (a)  Promissory Note dated July 20, 199.  The interest rate of the
         -----------------------------------
         Promissory Note dated July 20, 199 is amended to one quarter of one
         percent (0.25%) over the Index.

    (b)  Schedule to Starter Kit Loan and Security Agreement
         ---------------------------------------------------
         (Equipment Advances).
         ---------------------
         The interest rate of the Credit Line Equipment shown on the Schedule to
         Starter Kit Loan and Security Agreement (Equipment Advances): dated
         December 23, 1997 is amended to "the Prime Rate".

    (c)  Section 1.02(d) of the Agreement. The interest rate of the ABL Loan
         ---------------------------------
         Account shown in Section 1.02 of the Agreement is 1997 is amended to
         "one quarter of one percent (.25%)" over the Prime Rate".

4.  Contingent Forbearance Fee.  Section 4.17 of the Agreement is hereby deleted
    --------------------------
    in its entirety and of no further force or effect.

5.  Warrant.  In consideration of the waiver and termination of forbearance by
    -------
    Bank and other modifications described in this Second Amendment, Borrower
    shall issue to Bank a warrant to purchase shares of Borrower's Series C
    Preferred Stock pursuant to that certain Warrant Purchase Agreement dated as
    of the date of this Second Amendment.

6.  Borrower's Intellectual Property Assets.  Concurrently herewith, Bank shall
    ---------------------------------------
    release its security interest in Borrower's Intellectual Property as such
    term is defined in the Intellectual Property Security Agreement dated as of
    September 13, 1999 between Bank and Borrower (the "IP Agreement"). The IP
    Agreement is hereby revoked, rescinded and of no further force or effect,
    provided, however that Borrower shall not transfer, assign or pledge a
    security interest in the Intellectual Property to any party without Bank's
    consent. Bank agrees to file promptly such UCC termination statements as may
    be required to release its security interest in Borrower's Intellectual
    Property.

7.  Commercial Security Agreement.  The provisions of that certain Commercial
    ------------------------------
    Security Agreement dated July 20, 1999 (the "Security Agreement") and signed
    by Borrower are
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    hereby reinstated in their original entirety and Borrower hereby reaffirms
    its grant to Bank of a security interest in the Collateral and on the terms
    described therein. Bank hereby releases any security interest in Borrower's
    assets to the extent not presently granted by the terms of the Security
    Agreement, as reinstated. Borrower shall execute and deliver to Bank such
    financing statements to perfect Bank's security interest in the Collateral
    described in the Security Agreement as Bank may reasonably request.

8.  Full Force and Effect.  Except as modified by this Second Amendment, the
    ---------------------
    Agreement remains unaltered and in full force and effect. The waiver set
    forth in this Second Amendment is specific as to content and time and shall
    not constitute a waiver of any other current or future default or breach of
    any covenants contained in the Agreement or the terms and conditions of any
    other documents signed by Borrower in favor of Bank.


ClearCommerce Corporation



By:  /s/ Michael S. Grajeda
    --------------------------------
     Michael S. Grajeda, Vice President and
     Chief Financial Officer


IMPERIAL BANK



By:  /s/ Tony Schell
    --------------------------------

Its:  SVP/Mgr.
    --------------------------------