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                                                                  EXHIBIT 10.9.1

                                FIRST AMENDMENT
                                      TO
                     CREDIT AGREEMENT AND PROMISSORY NOTE
                                      AND
                                  FORBEARANCE

This First Amendment and Forbearance Agreement ("Amendment") is made as of
September 14, 1999 by and between ClearCommerce Corporation, ("Borrower") and
Imperial Bank, a California banking corporation, ("Bank") and amends certain
provisions of that Credit Agreement dated as of July 20, 1999 ("Agreement"), by
and between Borrower and Bank and contains certain waivers by the Bank of the
Borrower complying with certain provisions of the Agreement as follows:

1.  Borrower has requested the Bank to make a $500,000 advance which will cause
the following Event of Default to occur:

     Pursuant to Section 4.06 of the Agreement the Borrower is required to
maintain a minimum Liquidity Ratio of at least 1.50:1.00.  If Borrower is
advanced the above amount it will not be in compliance with the Liquidity Ratio.

2.  Forbearance: As a result of the above Event of Default the Bank would have
certain rights and remedies pursuant to the Agreement and Law.  The Borrower has
requested that the Bank forbear from exercising any such rights and remedies.
The Bank hereby agrees to forbear from exercising the above referenced rights or
remedies through September 30, 1999, but only on the following terms:

A.  The Borrower must comply with all the terms and conditions contained in this
Amendment.

B.  No further Events of Default shall occur in the Agreement.

C.  Borrowers must make all scheduled payments monthly interest and principal on
all loans from the Bank.

D.  The Bank must receive a fee of $ 15,000 upon execution of this Amendment.

E.  The Borrower must execute an Intellectual Property Security Agreement in
form and substance satisfactory to Bank granting to Bank a security interest in
it's intellectual property.

F.  The Bank will file the Intellectual Property Security Agreement with the
appropriate federal offices and will file the UCC 2 financing statement which
includes the Borrower's Intellectual property.

II  Amendments

A.  Promissory Note dated July 20, 1999: The interest rate of the Promissory
    -----------------------------------
Note dated July 20, 1999 is amended to "one and one half percent (1.50%) over
the Index."
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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 "one and one half  percent (1.50%) over the Prime Rate".

C.  Section 1.02 (e) 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 and one half
percent (1.50%) over the Prime Rate".

D.  New Section 4.17 to the Agreement. The following is hereby added as
    ---------------------------------
Section 4.17 the Agreement:

"4.17  Continent Forbearance Fee.    In consideration of the forbearance by the
Bank pursuant to that First Amendment to Agreement and Promissory Note and
Forbearance dated September 13, 1999, the Borrower agrees to pay to the Bank a
fee of One Hundred Thousand Dollars if the Borrower agrees to a formal
commitment to sell the Borrower which is executed on or before March 13, 2000.
The fee will be payable upon closing the sale."

iii.  The forbearance contained herein is specific as to content and time, and
does not waive  any rights or remedies that Bank may have as a result of the
above Event of Default or any other breaches or violations past, present, or
future of the Agreement or any other agreement between Borrower and Bank, and
Bank reserves all rights, powers and remedies available to it.  After September
30, 1999 or should any of the conditions listed above not be complied with, the
forbearances contained herein shall be null and void and the Bank may exercise
all rights and remedies it may have pursuant to the Agreement and the law.

iv.  Except as provided above, the Agreement remains unchanged.  Any capitalized
terms used herein and not defined herein shall have the meanings defined in the
Agreement.

iv.  This First Amendment is effective as of September 14, 1999 and the parties
hereby confirm that the Agreement as amended is in full force and effect.

     ClearCommerce Corporation

     By:______________________________

     Name:___________________________

     Title:_____________________________

     IMPERIAL BANK

     By:______________________________

     Name:___________________________

     Title:____________________________<PAGE>

                                                                  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.
    --------------------------------

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