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                                                                   EXHIBIT 10.25

                        [DELUXE CORPORATION LETTERHEAD]


February 14, 2000


Mr. Steve Coleman
2609 Emerson Avenue South
Minneapolis, MN 55408

Dear Steve:

It is my pleasure to formally offer you the position of Senior Vice President
and General Counsel of the new eFunds Corporation, reporting to me. You will
also serve as a member of the company's senior policy group, along with Debra
Janssen, Nikhil Sinha, Paul Bristow and me. This offer is contingent upon
approval by the Compensation Committee of the Deluxe Board of Directors
(expected February 25th), and will be effective March 1, 2000.

The following confirms our discussions regarding your job offer:

Start date:  3/1/00.

Base salary:  $200,000 annually, payable monthly. This figure will next be
reviewed for possible adjustment as of January 1, 2001.

Target bonus: Your target bonus will be 40% of base salary, or $80,000 annually.
In addition, this figure can range from 0% to 80% of base salary (or $0 to
$160,000), depending upon the company's performance against board-approved
annual operating plan measures. In all probability, your measures will be
identical to my own.

Stock option grant: Competitive market studies conducted by compensation
consultants suggest that your position should receive annual stock option grants
with value (as determined by the Black-Schoals method) equal to 100% of your
base salary. In addition, the Deluxe Board of Directors has determined that
certain senior officers of the new eFunds will be granted "double options" in
this formative year -- i.e. options valued at 200% of your base salary. The
exact number of shares won't be finalized for another few weeks, but we intend
to grant you a number of options at the IPO strike price (which will vest in
thirds, on the first, second and third anniversary of the IPO) with approximate
value of $400,000. The next occasion for another option grant is expected to be
on or about January 1, 2002.

Severance: Should your employment be terminated for reasons other than willful
misconduct, gross negligence or unlawful actions toward the Company or toward
others involved with the Company's business (in other words, should you be
terminated because your job performance is judged inadequate, your job is
eliminated or any other similar
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reason), you will receive a severance package consisting of one year's base
salary, plus a second year of "income continuation". Income continuation means
that, if you are unemployed at the end of the first year following termination
from eFunds, or employed at a salary level which is less than your eFunds base
salary at the time of your termination, eFunds would continue to pay your base
salary (or the difference between your eFunds base salary and whatever new
salary you are earning) for up to one additional year, or if earlier, until such
time as your new salary equals or exceeds your former eFunds salary.

Change of Control: Although the new eFunds Board of Directors has not yet been
constituted and therefore cannot formally approve a change of control
agreement, I will be proposing that the new company approve a Change of Control
Agreement essentially identical to the one now in place for the Deluxe
Corporation (copy attached), and that it cover you as Senior Vice President &
General Counsel along with a small number of other senior executives, including
myself.

Medical/Dental Insurance: You are eligible for medical and dental insurance for
you and your family on the first of the month following the date of hire.

Group Home & Group Auto: You are eligible for the Company's group home & auto
insurance program on the first of the month following the date of hire.

Life Insurance: You are eligible for 1 times pay at Company cost, but you may
purchase an additional 6 times pay up to $1,000,000 through the Company's life
insurance plan. You may also purchase Dependent life insurance for your spouse
and children, up to $100,000 for your spouse and up to $25,000 for each child
under the age of 19 or age 23 if the child is a full-time student.

Retirement: While the new eFunds retirement plan has not been finalized, it is
expected to include a Defined Contribution Pension element of 4% of base salary,
a variable "profit sharing" component targeted at 3%, and a 401k plan in which
the company will match your contributions up to 3% of eligible wages.

Vacation: Upon acceptance of this offer, you are eligible for 5 weeks of annual
vacation.

Long term disability: Your coverage remains as currently in place, unless the
new eFunds should change the policy later.

Physical exam: The Company pays for annual full physical exams for all
executives over the age of 45.

This agreement will supercede any existing written or oral agreement or
understanding regarding your employment at Deluxe or with eFunds Corporation.

Steve, I hope these points resolve any questions or issues for you. If so,
please sign one copy and return it to me at your convenience in the enclosed
envelope. I can't tell you how

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pleased I am to be working with you to help the eFunds Corporation develop and
realize the great future ahead of us.


Best regards,

/s/ J. A. Blanchard III

Chairman and Chief Executive Officer



Accepted  /s/ Steve Coleman            Date  2/16/00
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