<PAGE>
Certain confidential portions of this Exhibit were omitted by means of asterisks
in lieu of the text (the "Mark"). This Exhibit has been filed separately with
the Secretary of the Securities and Exchange Commission without the Mark
pursuant to the Company's request for confidential treatment pursuant to Rule
406 under the Securities Act of 1933, as amended.

                                                                   EXHIBIT 10.22


                            SECOND AMENDMENT TO THE
                                CREDITCARDS.COM
                               SERVICE AGREEMENT

     This Second Amendment (the "Amendment") to the Creditcards.com Service
Agreement between Creditcards.com, Inc. (currently known as "iPayment
Technologies, Inc.") and Humboldt Bank dated August 1, 2000 (the "Agreement") is
entered into as of this 3rd day of October, 2002.

                                    RECITALS

     WHEREAS, since the effective date of the Agreement, Creditcards.com, Inc.
has changed its name to iPayment Technologies, Inc; and

     WHEREAS, the parties entered into the Agreement in order to govern the
relationship of the parties with respect to credit card settlement transactions
and sponsorship; and

     WHEREAS, the parties wish to amend Section 3.1 to add a new Section 3.1(h)
and to Amend Section 8.1 and 8.2 of the Agreement;

     WHEREAS, the parties wish that the remaining terms of the Agreement remain
the same.

     NOW THEREFORE, in consideration of the foregoing premises and the mutual
covenants herein contained, the parties agree to amend the Agreement as follows:

1.   Article III, Section 3.1(c) is hereby amended to read in its entirety as
     follows:


     "(c) Bank agrees to settle Transactions for Merchants on a non-exclusive
basis, meaning that Bank may provide the same or similar services for persons or
entities other than CCC.  Bank agrees that Bank will settle Transactions up to
and including a maximum Monthly Sales Volume of [****] so long as the ratio of
total Merchant Chargebacks (all Merchants) to total gross dollar volume (all
Merchants) is less than [****] and total Merchant Chargebacks (all Merchants)
are less than [****] per month.  Notwithstanding anything contained herein, any
Merchants which are terminated by CCC shall not have their chargebacks included
in the ratios and chargeback benchmarks described above.  Furthermore, in
calculating the above ratios and chargeback benchmarks, the parties agree to
specifically exclude the merchant processing volume and chargeback levels of
European Health Concepts, a Merchant that the Bank and CCC have agreed to
terminate.  If at any time either of such benchmarks is exceeded, the parties
will cooperate in an effort to reduce Merchant Chargebacks to levels below the
benchmarks set forth in this subparagraph.  In the event that the parties cannot
reduce the Merchant Chargebacks to levels below the benchmarks set forth in this
subparagraph, Bank may reduce the maximum Monthly Sales Volume it will settle
under this Agreement to such figure as Bank reasonably deems necessary, until
the parties are able to reduce such number, at which time the maximum Monthly
Sales Volume will be restored to [****].  Bank's current policies regarding the
approval of applicants to the Merchant Program are contained in Schedule A, and
Bank shall accept or reject any Customer only in conformity with Schedule A,
Bank's Merchant Application Approval Policy.  CCC shall assist Bank in reaching
its approval decision(s) by reviewing the Customer application, verifying the
information contained therein, and obtaining necessary supplementary information
concerning the Customer, when reasonably requested by Bank.  CCC agrees that no
Customer will be permitted to participate in the Merchant Program until such
Customer fulfills all of the requirements set forth on Schedule A.  Bank may
amend its Merchant Application Approval Policy, in Bank's sole discretion but
only in reasonable conformity with industry standards regarding such matters,
upon thirty (30) days' written notice to CCC.  Bank agrees to review
periodically with CCC the Merchant Application Approval Policy in order to
eliminate provisions that might unnecessarily result in a reduction of the
economic benefits CCC reasonably should expect to achieve under this Agreement.
Except as provided in subsection (h) of this Section 3.1, Bank may, in its sole
discretion, terminate any Merchant Agreement in accordance with the terms
thereof; provided, however, that in any case where a Merchant is terminated for
reasons other than actual or suspected fraud, a default of the Merchant
Agreement, or where Bank in its sole judgment determines that there is an
immediate risk of a material loss to Bank, Bank will give CCC notice of such
proposed termination such that CCC will have a reasonable opportunity to
transfer the Merchant to a different portfolio prior to Bank notifying the
Merchant of its termination."


[****] Represents material which has been redacted and filed separately with
the Commission pursuant to a request for confidential treatment pursuant to
Rule 406 under the Securities Act of 1933, as amended.
<PAGE>

2.   Article III, Section 3.1 is hereby amended by adding the following section
as a new Section 3.1(h):

     "(h) Notwithstanding anything contained herein, so long as all of the
     following are true with respect to Merchant or Merchant Account, Bank
     agrees that, except as required by the Rules, Bank shall neither terminate
     nor make any change with respect to the discount or reserve of said
     Merchant or Merchant Account that will have an adverse effect on the
     Merchant or Merchant Account without the prior written consent of
     CCC:

          "(i) The Merchant Account is not in an Association monitoring program;

          "(ii) The Merchant Account is not engaged in, or aiding and abetting,
     any illegal activity or fraud;

          "(iii) The Merchant Account is not processing Transactions where
     products are delivered or services rendered more than ninety (90) days (on
     the average, based upon Transactions of the immediately preceding three (3)
     months) following the date of the Transaction; and

          "(iv) Either (A) the Merchant Account is processing under $ [****]
     per month (based upon an average of the immediately prior three months'
     Transactions), or (B) with respect to Merchant Accounts with an average
     processing of $ [****] or more per month, in Bank's sole judgment the
     Merchant Account is neither experiencing significant financial
     deterioration nor is there any severe macroeconomic event causing an
     instability within merchant processing of a specific merchant or category
     of merchants in which the Merchant Account is included.


[****] Represents material which has been redacted and filed separately with the
Commission pursuant to a request for confidential treatment pursuant to Rule 406
under the Securities Act of 1933, as amended.

<PAGE>
          "In the event Bank decides to terminate or make any such adverse
     change with respect to a Merchant Account with an average processing of $1
     million or more per month solely because, in Bank's judgment, the
     conditions set forth in subparagraph (iv)(B) above are inapplicable, Bank
     shall first give CCC written notice of Bank's decision and CCC may, within
     three (3) business days of receipt of such notice, deposit into the CCC
     Reserve Account an amount equal to not less than fifty percent (50%) of the
     then approved monthly processing limit for that specific Merchant Account,
     in which case Bank agrees to take no further action with respect to that
     Merchant Account solely for the reasons set forth in subparagraph (iv)(B)
     above.

          "Notwithstanding anything contained to the contrary herein, Bank
     covenants and agrees that until the termination of this Agreement, Bank
     will continue to operate its business and to maintain its relationship with
     CCC in significantly the same manner it has been operating its business as
     of the date of this Amendment, and that Bank will not significantly change
     any of its existing underwriting guidelines, policies or procedures without
     CCC's prior consent, which consent shall not be unreasonably withheld or
     delayed, including, but not limited to (1) changes in policies relating to
     the closing of Merchant Accounts, (2) increasing CCC's reserve requirements
     currently in place, (3) increasing any fees or amounts currently being paid
     by CCC to Bank for sponsorship and processing (except as such fees or
     amounts are imposed on Bank by a third party and passed through to CCC
     pursuant to this Agreement), (4) changes in criteria for withholding CCC's
     funds, (5) amending the existing underwriting guidelines or underwriting
     procedures, or (6) taking any other actions or failing to take any actions
     which are not consistent with the way Bank and CCC conduct their business
     as of the date of this Amendment. Each party agrees that it will in good
     faith seek to resolve any differences that may arise between the parties
     under this Agreement to the extent the same are not expressly covered by
     this Agreement, including this Amendment. Bank acknowledges that CCC has
     relied on this statement in entering into this Amendment and that Bank's
     material breach of this covenant may cause material harm to the business of
     CCC and its related parent and subsidiary corporations."

3.   Article VIII, Section 8.1 is hereby amended to read in its entirety as
     follows:

     "8.1. Term. This Agreement will become effective on the Effective Date, and
     unless terminated earlier in accordance with the provisions of this
     Agreement or by CCC in its sole discretion, will expire on April 29, 2003."

4.   Article VIII, Section 8.2 hereby amended to read in its entirety as
     follows:

     "8.2. Termination. Notwithstanding Section 8.1 the parties will have the
     following rights and obligations:

     "(a) Ability to Perform. If Visa or MCI prohibits CCC from providing,
     or prohibits Bank from allowing CCC to provide, the services set forth
     in this Agreement, or if Bank becomes insolvent or is no longer an
     Acquiring Member of
<PAGE>
     Visa or MCI, this Agreement will automatically and immediately terminate.
     In addition, Bank may terminate this Agreement upon ninety (90) days'
     written notice to CCC in the event Bank becomes subject to any change in a
     statute, law, rule, regulation, policy or other official pronouncement of
     any state or federal government entity regulatory agency or of VISA or MCI
     which would prohibit Bank from continuing the business described in this
     Agreement.

     "(b) Obligations Upon Expiration or Termination. Immediately following the
     expiration or earlier termination of this Agreement for any reason, CCC
     will contract with a third party Acquiring Member to perform Bank's duties
     under this Agreement and Bank, upon he effective date of the assignment and
     assumption agreements entered into at such time, will assign the Merchant
     Agreements, including all Merchant files and records (paper and fiche),
     BINs, ICAs and databases relating to such Merchants and Merchant
     Agreements, and all related deposit accounts to said third party Acquiring
     Member at no expense to CCC other than the actual cost of copying,
     shipping, supplies, and any related Association, Network and Processor
     fees. Pending such assignment, the rights and obligations of the parties
     (including, without limitation, the rights and obligations relating to
     compensation under Article V hereof) shall continue to be governed by this
     Agreement in all respects."


5.   As hereby amended and supplemented the Agreement shall remain in full
force and effect.


     IN WITNESS WHEREOF, the parties hereto have executed this Amendment to the
Agreement as of the Effective Date above:



HUMBOLDT BANK                        By:       /s/ Illegible
                                           -----------------------------

                                     Its:            CEO
                                           -----------------------------

                                     Date:          10/3/02
                                           -----------------------------




IPAYMENT TECHNOLOGIES, INC.          By:      /s/ Gregory Daily
                                           -----------------------------

                                     Its:            CEO
                                           -----------------------------

                                     Date:         10/3/02
                                           -----------------------------