Exhibit 10.13

Form of DataBank Settlement Agreement

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                                           [Name of Shareholder]

                                                                October __, 2000

Digital Courier Technologies, Inc.
187 Fremont
San Francisco, CA
Attn:   Mr. Ken Woolley, Chairman

Gentlemen:

         As you are aware,  the  undersigned  has  recently  returned to Digital
Courier   Technologies,   Inc.   (the   "Company")   certificates   representing
_____________  shares of Common Stock of the Company (the "Shares").  The Shares
were  initially  acquired by the  undersigned  from the Company  pursuant to the
Company's acquisition of DataBank International, Ltd. ("DataBank"), of which the
undersigned was a shareholder.

         The Company has made certain claims,  which the  undersigned  disputes,
relating to the right of the undersigned to the Shares,  specifically  including
claims that (1) the interest that the undersigned initially acquired in DataBank
should have been made available to the Company,  rather than to the undersigned,
when the undersigned acquired it, and (2) the subsequent acquisition of DataBank
by the Company  represented  some form of  "self-interested  transaction"  as to
which  the  Company's  Board  and/or   shareholders  did  not  receive  adequate
disclosure.

         Without admitting that there is any validity to any of the claims being
made  by the  Company,  the  undersigned  desires  to  reach  a  compromise  and
settlement  of the  claims  so that the  Company  and the  undersigned  can move
forward without continuous allegations regarding such matters.  Accordingly, the
undersigned  agrees that the Company may retain,  and cancel, the Shares, on and
subject to the terms described in this letter. By agreeing to this, the Company,
on its part,  acknowledges  that the Shares are being accepted by the Company in
complete  settlement  of any  claims  or  allegations  against  the  undersigned
referred to above. Specifically,  but without prejudice to the generality of the
foregoing,  the  Company  agrees  that it will  not  make  any  claim  as to the
legitimacy,  legality  or  propriety  of the  manner  in which  the  undersigned
acquired  its interest in  DataBank,  or acquired  shares of common stock of the
Company in connection with the Company's acquisition of DataBank.

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Please sign and return to the undersigned a copy of this letter, reflecting that
it is a binding agreement between the Company and the undersigned.

                                            Very truly yours,

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                                            By

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                                            Name (printed):
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CONFIRMED, ACCEPTED AND AGREED AS SET FORTH ABOVE:
Digital Courier Technologies, Inc.


By:
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October    , 2000
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