Document:

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                                                                   Exhibit 10.40

                       AMENDMENT TO PROCESSOR AGREEMENT

This Amendment to that certain Processor Agreement dated May 1, 2000 between
Deluxe Financial Services, Inc. ("Deluxe") and eFunds Corporation ("eFunds")
(the "Processor Agreement") is made effective as of the May 1, 2000.

WHEREAS, Deluxe and eFunds have entered into the Processor Agreement in order to
provide for eFunds to obtain certain services from Deluxe; and

WHEREAS, eFunds and Deluxe wish to clarify and amend certain provisions of the
Processor Agreement;

NOW THEREFORE, the parties agree to amend the Processor Agreement as follows:

1.  The following sentence shall be added at the end of the provisions labeled
    "Pricing" in Exhibit 1 to the Processor Agreement entitled "Statement of
    Work":

       "eFunds shall commence payment to Deluxe for the Services described in
       this Statement of Work on and as of July 1, 2000."

2.  Except as expressly modified hereby, the Processor Agreement shall remain in
    full force and effect.

IN WITNESS WHEREOF, the parties have executed this Amendment effective as of its
effective date.

Deluxe Financial Service, Inc.                  eFunds Corporation

By: /s/ Ronald E. Eilers                 By: /s/ Paul H. Bristow
    ------------------------                 ------------------------

Title: President                         Title: EVP & CEO
       ---------------------                    ---------------------<PAGE>

                                                                   Exhibit 10.41

                         AMENDMENT TO CREDIT AGREEMENT

          This Amendment to Credit Agreement ("Agreement"), dated as of November
30 2000, is made by and between eFunds Corporation, a Delaware corporation (the
"Borrower"), and Deluxe Corporation, a Minnesota corporation (the "Lender").

          The Borrower and Lender are parties to a Credit Agreement dated as of
April 1, 2000 (the "Credit Agreement").  The Borrower and Lender entered into
the Credit Agreement with the expectation that the Lender, which was then owner
of one hundred percent of the common stock of the Borrower, would divest all of
such ownership interest through an initial public offering ("IPO") of the
Borrower's common stock followed by an exchange of shares of the Borrower for
shares of the Lender (the "Exchange").

          On June 30, 2000, the Borrower completed the IPO. Thereafter, the
Lender modified its plans to divest its remaining ownership interest in Borrower
by abandoning the previously contemplated Exchange.  In lieu of the Exchange,
the Lender proposes to distribute all of its remaining ownership interest in the
Borrower to the Lender's shareholders, provided that the Lender is able to
secure confirmation from the Internal Revenue Service that the distribution will
be tax-free to the Lender and its shareholders for U.S. federal income tax
purposes.

          The parties have determined that it is appropriate to amend the Credit
Agreement as set forth in this Amendment.

          Accordingly, the parties hereto agree as follows:

          SECTION 1  Definitions; Interpretation.
                     ---------------------------

          (a)  Terms Defined in Credit Agreement. All capitalized terms used in
this Agreement (including in the Recitals hereof) and not otherwise defined
herein shall have the meanings assigned to them in the Credit Agreement.

          (b)  Interpretation. The rules of interpretation set forth in Section
1.3 of the Credit Agreement shall be applicable to this Agreement and are
incorporated herein by this reference.

          SECTION 2  Amendments to the Credit Agreement.
                     ----------------------------------

          (a)  Upon the execution by the parties of this Agreement, the Credit
Agreement shall be amended as follows:

               (i)    Section 1.1 is amended by deleting the definition of
          "Split-Off."
<PAGE>

               (ii)   Section 1.1 is further amended by inserting a new
          definition as follows:

                    "Spin-Off": The sale to the public as part of an initial
                    public offering of less than 20% of the common stock of the
                    Borrower and the subsequent distribution of all, or
                    substantially all, of the common stock of the Borrower then
                    owned by the Lender to the shareholders of Lender.

               (iii)  The Credit Agreement in its entirety is amended by
          deleting wherever appearing the term "Split-Off" and substituting
          therefor the term "Spin-Off."

          (b)  References Within Credit Agreement. Each reference in the Credit
Agreement to "this Agreement" and the words "hereof," "herein," "hereunder," or
words of like import, shall mean and be a reference to the Credit Agreement as
amended by this Agreement.

          (c)  Conditions of Effectiveness. It shall be a condition precedent to
the effectiveness of this Agreement that the Borrower and Lender shall have
received an executed counterpart hereof.

          SECTION 3  Miscellaneous.
                     -------------

          (a)  Credit Agreement Otherwise Not Affected. Except as expressly
amended and restated pursuant hereto, the Credit Agreement shall remain
unchanged and in full force and effect and is hereby ratified and confirmed in
all respects.

          (b)  Costs and Expenses. The Borrower and Lender each shall bear its
own costs incurred in connection with the negotiation, preparation, execution
and delivery of this Agreement and any other documents delivered in connection
herewith.

          (c)  Binding Effect. This Agreement shall be binding upon, inure to
the benefit of and be enforceable by the Borrower and Lender and their
respective successors and assigns.

          (d)  Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED
IN ACCORDANCE WITH, THE LAW OF THE STATE OF MINNESOTA WITHOUT GIVING EFFECT TO
THE CONFLICT OF LAWS PRINCIPLES OF SUCH JURISDICTION .

          (e)  Complete Agreement; Amendments. This Agreement, together with the
other Loan Documents, contains the entire and exclusive agreement of the parties
hereto and thereto with reference to the matters discussed herein and therein.
This Agreement supersedes all prior commitments, drafts, communications,
discussion and understandings, oral or written, with respect thereto. This
Agreement may not be modified, amended or otherwise altered except in accordance
with the terms of Section 8.1 of the Credit Agreement.

          (f)  Severability. Whenever possible, each provision of this Agreement
shall be interpreted in such manner as to be effective and valid under all
applicable laws and

                                      2.
<PAGE>

regulations. If, however, any provision of this Agreement shall be prohibited by
or invalid under any such law or regulation in any jurisdiction, it shall, as to
such jurisdiction, be deemed modified to conform to the minimum requirements of
such law or regulation, or, if for any reason it is not deemed so modified, it
shall be ineffective and invalid only to the extent of such prohibition or
invalidity without affecting the remaining provisions of this Agreement, or the
validity or effectiveness of such provision in any other jurisdiction.

          (g)  Counterparts. This Agreement may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed shall be deemed to be an original and all of which taken
together shall constitute but one and the same agreement.

          (h)  Interpretation. This Agreement is the result of negotiations
among, and has been reviewed by, counsel to the Borrow and Lender. Accordingly,
this Agreement shall not be construed against any of the Borrow or the Lender
merely because of the Lender's involvement in the preparation thereof.

          (i)  Loan Document. This Agreement shall constitute a Loan Document.

                           [Signature pages follow.]

                                      3.
<PAGE>

          IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement, as of the date first above written.

                                    BORROWER:
                                    ---------

                                    eFUNDS CORPORATION

                                    By: /s/ John A. Blanchard III
                                        -----------------------------------
                                    Name: John A. Blanchard III
                                         ----------------------------------
                                    Title: CEO
                                          ---------------------------------

                                    LENDER:
                                    -------

                                    DELUXE CORPORATION

                                    By: /s/ Lois M. Martin
                                        -----------------------------------
                                    Name:Lois M. Martin
                                         ----------------------------------
                                    Title: CFO
                                          ---------------------------------

                                      4.<PAGE>

                                                                   Exhibit 10.42

                                FIRST AMENDMENT

                                      to

                             TAX SHARING AGREEMENT

                                 by and among

                              DELUXE CORPORATION

                              AND ITS AFFILIATES

                                      and

                              eFUNDS CORPORATION

                              AND ITS AFFILIATES
<PAGE>

                   FIRST AMENDMENT TO TAX SHARING AGREEMENT
                   ----------------------------------------

     THIS FIRST AMENDMENT (the "Amendment") dated effective as of April 1, 2000,
to the Tax Sharing Agreement (the "Agreement") dated effective as of April 1,
2000, is made and entered into by and among Deluxe Corporation ("Deluxe"), a
Minnesota corporation, each Deluxe Affiliate (as defined in the Agreement),
eFunds Corporation ("eFunds"), a Delaware corporation and currently a direct,
majority owned subsidiary of Deluxe, and each eFunds Affiliate (as defined in
the Agreement) in connection with the Distribution (as defined below).

                                   RECITALS
                                   --------

     WHEREAS, Deluxe has decided to effectuate the separation of eFunds and
Deluxe by distributing all of the shares of eFunds common stock held by Deluxe,
on a pro rata basis, to the holders of shares of Deluxe common stock, rather
than by means of an exchange offer as originally contemplated; and

     WHEREAS, the parties have determined that it is appropriate to amend the
Agreement as set forth in this Amendment.

                                   AMENDMENT
                                   ---------

     NOW, THEREFORE, in consideration of the mutual covenants and agreements
contained herein, Deluxe, for itself and on behalf of the Deluxe Affiliates, and
eFunds, for itself and on behalf of the eFunds Affiliates, hereby agree as
follows:

     The fourth paragraph of the Recitals set forth in the Agreement is hereby
amended in its entirety to read as follows:

          WHEREAS, as set forth in the Distribution Agreement, and subject to
     the terms and conditions thereof, Deluxe intends, sometime after the IPO,
     to distribute all of its shares of eFunds common stock, on a pro rata
     basis, to the holders of shares of Deluxe common stock (the
     "Distribution");

     Section 9.04 of the Agreement is hereby amended in its entirety to read as
follows:

                                       1
<PAGE>

          9.04.  Notices.  Any notice, request, instruction or other document to
     be given or delivered under this Agreement by any party to another party
     shall be in writing and shall be deemed to have been duly given or
     delivered when (1) delivered in person or sent by telecopy to the facsimile
     number indicated below with a required confirmation copy sent in accordance
     with clause (2) below, (2) deposited in the United States mail, postage
     prepaid and sent certified mail, return receipt requested or (3) delivered
     to Federal Express or similar service for overnight delivery to the address
     of the party set forth below:

               If to Deluxe or any Deluxe Affiliate to:

                    Deluxe Corporation
                    3680 Victoria Street North
                    Shoreview, Minnesota  55126
                    Attention:  General Counsel
                    Facsimile:  (651) 787-2749

               with a copy to:

                    Deluxe Corporation
                    3680 Victoria Street North
                    Shoreview, Minnesota  55126
                    Attention:  Director of Corporate Tax
                    Facsimile:  (651) 787-1566

               If to eFunds or any eFunds Affiliate to:

                    eFunds Corporation
                    7272 East Indian School Road, Suite 420
                    Scottsdale, Arizona 85251
                    Attention:  General Counsel
                    Facsimile:  (602) 659-2161

               with a copy to:
                    eFunds Corporation
                    7272 East Indian School Road, Suite 420
                    Scottsdale, Arizona 85251

                                       2
<PAGE>

                    Attention:  Director of Corporate Tax
                    Facsimile:  (602) 659-2161

     Either party may, by written notice to the other parties, change the
     address or the party to which any notice, request, instruction or other
     document is to be delivered.

     Section 5.01(b) of the Agreement is hereby amended in its entirety to read
as follows:

               (b)  Deluxe shall, to the extent required by law, withhold or
     collect applicable Taxes with respect to exercises of Options to acquire
     Deluxe stock held by eFunds Employees and shall transfer such Taxes to
     eFunds which shall remit such Taxes to the appropriate Taxing Authority and
     satisfy the applicable Tax reporting obligations with respect to exercises
     of Options to acquire Deluxe stock held by eFunds Employees.  eFunds shall,
     to the extent required by law, withhold or collect applicable Taxes with
     respect to exercises of Options to acquire eFunds stock held by Deluxe
     Employees and shall transfer such Taxes to Deluxe which shall remit such
     Taxes to the appropriate Taxing Authority and satisfy the applicable Tax
     reporting obligations with respect to exercises of Options to acquire
     eFunds stock held by Deluxe Employees.

                                       3
<PAGE>

          IN WITNESS WHEREOF, each of the parties hereto has caused this
Amendment to be executed by a duly authorized officer on December ____, 2000,
but effective as of the date first above written.

                              DELUXE CORPORATION
                              on behalf of itself and the Deluxe Affiliates

                              By: /s/ Lois M. Martin
                                 -------------------
                              Name:   Lois M. Martin
                                      --------------
                              Title:  CFO
                                      --------------

                              EFUNDS CORPORATION
                              on behalf of itself and the eFunds Affiliates

                              By: /s/ John A. Blanchard III
                                  -------------------------
                              Name:   John A. Blanchard III
                                      ---------------------
                              Title:  CEO
                                      ---------------------

                                       4

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