Document:

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                                                                    EXHIBIT 10.4
                                                                    ------------

              AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT
              --------------------------------------------------

  AGREEMENT made as of the 30th day of April, 1999, by and among eDocs, Inc., a
Delaware corporation (the "Company"), Kevin Laracey, Kris Canekeratne and James
Moran (each, a "Founder" and together, the "Founders"); Charles River
Partnership VIII, a Limited Partnership, SIGMA Partners IV, L.P., SIGMA
Associates IV, L.P. and SIGMA Investors IV, L.P. (each, a "Series A Holder") and
the additional persons or entities listed as Purchasers on Exhibit 2.01A to the
                                                           -------------
Series B Convertible Preferred Stock Purchase Agreement of even date herewith
(the "Series B Purchase Agreement") by and among such Purchasers, the Company
and the Series A Holders (the "Series B Investors"; the Series A Holders
together with the Series B Investors are hereinafter referred to individually as
an "Investor" and collectively as the "Investors").

  WHEREAS, the Company, the Founders and the Series A Holders are parties to a
Registration Rights Agreement dated May 22, 1998 (the "Original Agreement");

  WHEREAS, the Series A Holders purchased, and the Company issued to the Series
A Holders, pursuant to a Series A Convertible Preferred Stock Purchase Agreement
(the "Series A Purchase Agreement") dated May 22, 1998, by and among the
Company, certain founders of the Company and the Series A Holders, shares of the
Company's Series A Convertible Preferred Stock, $0.001 par value (the "Series A
Preferred Stock"), all of which are convertible into shares of the Company's
common stock, $0.001 par value;

  WHEREAS, the Investors have on this date purchased, and the Company has issued
to the Investors, pursuant to the Series B Purchase Agreement the number of
shares of the Company's Series B Convertible Preferred Stock, $0.001 par value
(the "Series B Preferred Stock"), as set forth opposite such Investor's name on
Exhibit 2.01A to the Series B Purchase Agreement, all of which shares are
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convertible into shares of Common Stock; and

  WHEREAS, it is a condition precedent to the obligations of the Investors under
the Series B Purchase Agreement that the Company and the Series A Holders amend
and restate the Original Agreement to admit the Series B Investors as parties to
this Agreement, and that this Agreement be executed by the parties hereto;

  NOW, THEREFORE, in consideration of the mutual promises and covenants
contained in this Agreement and in the Series B Purchase Agreement and pursuant
to Section 13 of the Original Agreement, the Company and the Holders (as defined
in the Original Agreement) holding at least sixty percent (60%) of the
Registrable Stock (as defined in the Original Agreement) and the securities
convertible into, exchangeable for or exercisable for Registrable Stock, do
hereby amend the Original Agreement so that such agreement is hereby restated in
its entirety to read as follows:

  1.  Definitions.  The following terms shall be used in this Agreement with the
      -----------
following respective meanings:
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                                      -2-

  "Affiliate" means (i) any Person directly or indirectly controlling,
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controlled by or under common control with another Person; (ii) any Person
owning or controlling ten (10%) percent or more of the outstanding voting
securities of such other Person; (iii) any officer, director or partner of such
Person; and (iv) if such Person is an officer, director or partner, any such
company for which such Person acts in such capacity.

  "Commission" means the Securities and Exchange Commission, or any other
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federal agency at the time administering the Securities Act.

  "Common Stock" means and includes (a) the Company's Common Stock, $0.001 par
   ------------
value per share, as authorized on the date of this Agreement and (b) any other
securities into which or for which the securities described in (a) above may be
converted or exchanged pursuant to a plan of recapitalization, reorganization,
merger, sale of assets or otherwise.

  "Exchange Act" means the Securities Exchange Act of 1934, or any successor
   ------------
Federal statute, and the rules and regulations of the Commission (or of any
other Federal agency then administering the Exchange Act) thereunder, all as the
same shall be in effect at the time.

  "Founder Registrable Stock" means (a) all Common Stock now or hereafter owned
   -------------------------
by the Founder or any Affiliate of the Founder (other than the Company), and (b)
any other shares of Common Stock issued in respect of such shares by way of a
stock dividend, or stock split or in connection with a combination of shares,
recapitalization, merger or consolidation or reorganization; provided, however,
that shares of Common Stock shall only be treated as Founder Registrable Stock
if and so long as they have not been (i) sold to or through a broker or dealer
or underwriter in a public distribution or a public securities transaction, or
(ii) sold in a transaction exempt from the registration and prospectus delivery
requirements of the Securities Act under Section 4(l) thereof so that all
transfer restrictions and restrictive legends with respect to such Common Stock
are removed upon the consummation of such sale.

  "Holder" means any holder of Registrable Stock and, except for purposes of
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Sections 2 and 4, any holder of Founder Registrable Stock.

  "Initial Public Offering" means the effective date for the Company's first
   -----------------------
registration statement covering a public offering of securities of the Company
under the Securities Act.

  "Investors" has the meaning set forth in the first paragraph hereof.
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  "NASD" means the National Association of Securities Dealers, Inc.
   ----

  "Person" means any natural person, partnership, corporation or other legal
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entity.

  "Preferred Stock" means the Series A Preferred Stock and the Series B
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Preferred Stock.

  "Registrable Stock" means (a) the Common Stock issued or issuable upon
   -----------------
conversion of the Preferred Stock, whether or not such Common Stock is owned by
any Investors, (b) all
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                                      -3-

Common Stock now or hereafter owned by any Investor which is acquired otherwise
than upon conversion of the Preferred Stock, so long as it is held by any
Investor or an Affiliate of any Investor, (c) any shares of Common Stock, and
any shares of Common Stock issued or issuable upon the conversion or exercise of
any other securities, acquired by the Investors pursuant to the Amended and
Restated Stockholders Agreement of even date herewith and (d) any other shares
of Common Stock issued in respect of such shares by way of a stock dividend, or
stock split or in connection with a combination of shares, recapitalization,
merger or consolidation or reorganization; provided, however, that shares of
                                           --------  -------
Common Stock issued or issuable upon conversion of the Series A Preferred Stock
acquired by Comdisco, Inc. ("Comdisco") pursuant to that certain Master Lease
Agreement dated as of March 31, 1999 between the Company and Comdisco and that
certain Subordinated Loan and Security Agreement dated as of March 31, 1999
between the Company and Comdisco, shall not be treated as Registrable Stock;
provided, further, that shares of Common Stock shall only be treated as
--------  -------
Registrable Stock if and so long as they are not eligible for sale without
restriction under Rule 144 of the Securities Act, or any similar rule
promulgated by the Commission permitting the resale of restricted securities
without the necessity of a registration statement under the Securities Act under
the Securities Act or have not been (i) sold to or through a broker or dealer or
underwriter in a public distribution or a public securities transaction, or (ii)
sold in a transaction exempt from the registration and prospectus delivery
requirements of the Securities Act under Section 4(1) thereof so that all
transfer restrictions and restrictive legends with respect to such Common Stock
are removed upon the consummation of such sale.

  "Registration Statement" means a registration statement filed by the Company
   ----------------------
with the Commission for a public offering and sale of securities of the Company
(other than a registration statement on Form S-8, Form S-4, or successor forms,
or any registration statement covering only securities proposed to be issued in
exchange for securities or assets of another corporation).

  "Securities Act" means the Securities Act of 1933, or any successor Federal
   --------------
statute, and the rules and regulations of the Commission (or of any other
Federal agency then administering the Securities Act) thereunder, all as the
same shall be in effect at the time.

  2.  Required Registration.
      ---------------------

      (a)  At any time after the earlier of (i) 90 days after any Registration
  Statement covering a public offering of securities of the Company under the
  Securities Act having become effective and (ii) May 22, 2003, the Holder or
  Holders of at least thirty (30%) percent of all Registrable Stock then
  outstanding (the "Initiating Holders") may by notice in writing to the Company
  request the Company to register under the Securities Act all or any portion of
  shares of Registrable Stock held by such Initiating Holder or Holders for sale
  in the manner specified in such notice, provided that the reasonably
  anticipated aggregate price to the public of all shares of Registrable Stock
  requested to be included in such public offering shall exceed $10,000,000.
  Notwithstanding anything to the contrary contained herein, the Company shall
  not be required to seek to cause a Registration Statement to become effective
  pursuant to this Section 2: (A) within a period of 180 days after the
  effective
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                                      -4-

  date of a Registration Statement filed by the Company, provided that the
  Company shall use its best efforts to cause a registration requested hereunder
  to be declared effective promptly following such period if such request is
  made during such period; (B) if the Company shall furnish to the Holders a
  certificate signed by the President of the Company stating that in the good
  faith judgment of the Board of Directors it would be materially detrimental to
  the Company or its stockholders for a Registration Statement to be filed at
  such time, or that it would require disclosure of material non-public
  information relating to the Company which, in the reasonable opinion of the
  Board of Directors, should not be disclosed, then the Company's obligation to
  use all reasonable efforts to register, qualify or comply under this Section 2
  shall be deferred for a period not to exceed ninety (90) days from the date of
  receipt of written request from such Holders; provided, however, that the
                                                --------  -------
  Company may not utilize this deferral right more than twice in any twelve-
  month period.

      (b)  Following receipt of any notice given under this Section 2 by the
  Initiating Holders, the Company shall immediately notify in writing all
  Holders that such registration is to be effected and shall use its best
  efforts to register under the Securities Act, for public sale in accordance
  with the method of disposition specified in such notice from requesting
  Holders, the number of shares of Registrable Stock, specified in such notice
  (and in all notices received by the Company pursuant hereto). Holders, other
  than the Initiating Holders, shall notify the Company of their desire to
  participate in the registration within twenty (20) days of the Company's
  notice to them. The Company shall designate the managing underwriter of such
  offering, subject to the approval of the Holders of a majority of the shares
  of Registrable Stock to be sold in such offering, which approval shall not be
  unreasonably withheld or delayed. The Company shall be obligated to register
  Registrable Stock pursuant to this Section 2 on one occasion only; provided,
                                                                     --------
  however, that such obligation shall be deemed satisfied only when a
  -------
  Registration Statement covering all shares of Registrable Stock, specified in
  notices received as aforesaid and which have not been withdrawn by the Holder
  thereof, for sale in accordance with the method of disposition specified by
  the Initiating Holders, shall have become effective. A registration which does
  not become effective after the Company has filed a Registration Statement with
  respect thereto solely by reason of the refusal of the Initiating Holders to
  proceed shall be deemed to have been effected by the Company at the request of
  such Initiating Holders unless the registration was withdrawn at the request
  of the Holders of a majority of the Registrable Stock to be sold in such
  offering upon learning of a material adverse change in the condition, business
  or prospects of the Company (other than a change in market demand for its
  securities or in the market price thereof) from that known to such Holders
  (and any knowledge of any Director appointed by such Holder shall be deemed
  knowledge of such Holder for purposes of this provision) at the time of their
  request (or of which the Company advised them in writing within 20 days
  thereafter) that makes the proposed offering unreasonable in the good faith
  judgment of a majority in interest of such Holders.

      (c)  If the Registration Statement is to cover an underwritten
  distribution and in the good faith judgment of the managing underwriter of
  such public offering
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                                      -5-

  the inclusion of all of the Registrable Stock requested for inclusion pursuant
  to this Section 2 would interfere with the successful marketing of a smaller
  number of shares to be offered, then the number of shares of Registrable Stock
  to be included in the offering shall be reduced to the required level with the
  participation in such offering to be reduced pro rata among the Holders
  requesting to participate in such registration, based upon the number of
  shares of Registrable Stock owned by such Holders. The Company shall be
  entitled to include in any Registration Statement referred to in this Section
  2, for sale in accordance with the method of disposition specified by the
  Initiating Holders, shares of Common Stock for the Company's own account,
  except as and to the extent that, in the opinion of the managing underwriter,
  if any, such inclusion would adversely affect the marketing of the Registrable
  Stock to be sold. Except for registration statements on Form S-4, S-8 or any
  successors thereto, the Company will not file with the Commission any other
  registration statement with respect to its Common Stock, whether for its own
  account or that of other stockholders, from the date of receipt of a notice
  from the Initiating Holders pursuant to this Section 2 until the completion of
  the period of distribution of the registration contemplated thereby.

  3.  Incidental Registration.  Each time the Company shall determine to file a
      -----------------------
Registration Statement in connection with the proposed offer and sale for money
of any of its securities by it or any of its security holders, the Company will
give written notice thereof to all Holders.  Upon the written request of one or
more Holder(s) given within twenty (20) days after the giving of any such notice
by the Company, the Company will use its best efforts to cause all such shares
of Registrable Stock and Founder Registrable Stock, the Holders of which have so
requested registration thereof, to be included in such Registration Statement,
all to the extent requisite to permit the sale or other disposition by the
prospective seller or sellers of the Registrable Stock and Founder Registrable
Stock to be so registered.  If the Registration Statement is to cover an
underwritten distribution, the Company shall use its best efforts to cause the
Registrable Stock and Founder Registrable Stock requested for inclusion pursuant
to this Section 3 to be included in the underwriting on the same terms and
conditions as the securities otherwise being sold through the underwriters.  If,
in the good faith judgment of the managing underwriter of such public offering,
the inclusion of all of the Registrable Stock and Founder Registrable Stock
requested for inclusion pursuant to this Section 3 and other securities would
interfere with the successful marketing of a smaller number of shares to be
offered, then the number of shares of Registrable Stock, Founder Registrable
Stock and other securities to be included in the offering (except for shares to
be issued (i) by the Company in an offering initiated by the Company or (ii) by
any other party in an offering initiated by such party pursuant to registration
rights granted to such party other than under this Agreement) shall be reduced
to the required level first by reducing (down to zero, if so required) the
participation of the Holders of Founder Registrable Stock and other holders of
securities in such offering (such reduction to be pro rata among the holders
thereof requesting such registration, based upon the number of shares of Founder
Registrable Stock and other securities owned by such holders), and thereafter,
by reducing (down to zero, in the Company's Initial Public Offering, or to not
less than thirty (30%) percent thereafter, if so required) the participation of
the Holders of Registrable Stock in such offering (such
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                                      -6-

reduction to be pro rata among the Holders of Registrable Stock requesting such
registration, based upon the number of shares of Registrable Stock owned by such
Holders).

  4.  Registration on Form S-3.
      ------------------------

      (a) If at any time after the date hereof, (i) a Holder or Holders
  request that the Company file a registration statement on Form S-3 or any
  successor thereto for a public offering of all or any portion of the shares of
  Registrable Stock held by such requesting Holder or Holders, the reasonably
  anticipated aggregate price to the public of such shares would exceed
  $500,000, and (ii) the Company is a registrant entitled to use Form S-3 or any
  successor thereto to register such shares, then the Company shall use its best
  efforts to register under the Securities Act on Form S-3 or any successor
  thereto, for public sale in accordance with the method of disposition
  specified in such notice, the number of shares of Registrable Stock specified
  in such notice. Whenever the Company is required by this Section 4 to use its
  best efforts to effect the registration of Registrable Stock, each of the
  procedures, requirements and limitations of Section 2 (including but not
  limited to the requirement that the Company notify all Holders from whom
  notice has not been received and provide them with the opportunity to
  participate in the offering and the requirements of subparagraph (b)) shall
  apply to such registration; provided, however, that there shall be no
                              --------  -------
  limitation on the number of registrations on Form S-3 which may be requested
  and obtained under this Section 4, except that the Company shall not be
  obligated to effect more than two registrations under this Section 4 in any
  twelve (12) month period; and provided, further, however, that the $10,000,000
                                --------  -------  -------
  minimum dollar amount set forth in the first sentence of Section 2(a) shall
  not apply to any registration on Form S-3 which may be requested and obtained
  under this Section 4.

      (b)  If the Company is a registrant entitled to use Form S-3 or any
  successor thereto to register shares of Registrable Stock, then the Company
  shall use its best efforts to register under the Securities Act on Form S-3 or
  any successor thereto, for public sale in accordance with any method of
  disposition specified by any Holder or Holders, all of the shares of
  Registrable Stock. The Company agrees to maintain the registration effective
  as a shelf-registration for a period of eighteen (18) months, except in the
  case of the following (each, a "Blackout Event"): (i) within 90 days after the
  effective date of a Registration Statement filed by the Company or (ii) if the
  Company shall furnish to the Holders a certificate signed by the President of
  the Company stating that in the good faith judgment of the Board of Directors
  it would be seriously detrimental to the Company stockholders for a Form S-3
  Registration Statement to be effective due to pending Company events, or that
  keeping such Registration Statement effective at such time would require
  disclosure of material non-public information relating to the Company which,
  in the reasonable opinion of the Board of Directors, should not be disclosed,
  or if the Company intends to file a Registration Statement within sixty (60)
  days and agrees to register shares of the Holders' Registrable Stock therein,
  provided, however, that the Company shall promptly notify the Holders when the
  --------  -------
  Blackout Event has terminated and when the Holders may sell their shares under
  such Registration Statement; provided further that
                               -------- -------
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  the Company shall not utilize these rights more than twice in any 12-month
  period, nor for a period of more than ninety (90) days, and further provided
  that the shelf-registration shall be kept effective for an additional period
  equal to the period of time during which the shelf-registration was not kept
  effective pursuant hereto.

  5.  Registration Procedures.  If and whenever the Company is required by the
      -----------------------
provisions of Section 2, 3 or 4 hereof to effect the registration of shares of
Registrable Stock or Founder Registrable Stock under the Securities Act, the
Company will, at its expense, as expeditiously as  possible:

      (a) In accordance with the Securities Act and the rules and regulations of
  the Commission, prepare and file with the Commission a Registration Statement
  with respect to the Registrable Stock or Founder Registrable Stock, as the
  case may be, and use its best efforts to cause such Registration Statement to
  become and remain effective until the Registrable Stock or Founder Registrable
  Stock, as the case may be, covered by such Registration Statement has been
  sold, but for no longer than twelve (12) months (or eighteen (18) months in
  the case of a Registration Statement on Form S-3) subsequent to the effective
  date of such registration, and prepare and file with the Commission such
  amendments to such Registration Statement and supplements to the prospectus
  contained therein as may be necessary to keep such Registration Statement
  effective and such Registration Statement and prospectus accurate and complete
  until the Registrable Stock covered by such Registration Statement has been
  sold, but for no longer than twelve (12) months (or eighteen (18) months in
  the case of a Registration Statement on Form S-3) subsequent to the effective
  date of such registration. Notwithstanding the foregoing, the Company shall
  not be obligated to register, pursuant to Sections 2, 3 and 4 hereof, the
  Registrable Stock or Founder Registrable Stock of any Holder who fails to
  provide promptly to the Company such information as the Company may reasonably
  request at any time to enable the Company to comply with any applicable law or
  regulation or to facilitate preparation of the Registration Statement;

      (b) If the offering is to be underwritten in whole or in part, enter
  into a written underwriting agreement in form and substance reasonably
  satisfactory to the managing underwriter, if any, of the public offering
  and the Holders participating in such offering;

      (c) Furnish to the participating Holders and to the underwriters such
  reasonable number of copies of the Registration Statement, preliminary
  prospectus, final prospectus and any supplement or amendment thereto and
  such other documents as such underwriters and participating Holders may
  reasonably request in order to facilitate the public offering of such
  securities;

      (d) Use its best efforts to register or qualify the Registrable Stock
  and Founder Registrable Stock covered by such Registration Statement under
  such state securities or blue sky laws of such jurisdictions (i) as shall
  be reasonably appropriate for the distribution of the Registrable Stock or
  Founder Registrable Stock, as the case
<PAGE>

                                      -8-

  may be, covered by such Registration Statement or (ii) as such participating
  Holders and underwriters may reasonably request within ten (10) days following
  the original filing of such Registration Statement, except that the Company
  shall not for any purpose be required to execute a general consent to service
  of process, to subject itself to taxation, or to qualify to do business as a
  foreign corporation in any jurisdiction where it is not so qualified;

      (e) Notify the Holders participating in such registration, promptly
  after it shall receive notice thereof, of the date and time when such
  Registration Statement and each post-effective amendment thereto has become
  effective or a supplement to any prospectus forming a part of such
  Registration Statement has been filed;

      (f) Notify the Holders participating in such registration promptly of
  any request by the Commission or any state securities commission or agency for
  the amending or supplementing of such Registration Statement or prospectus or
  for additional information;

      (g) Prepare and file with the Commission, promptly upon the request of
  any such participating Holders, any amendments or supplements to such
  Registration Statement or prospectus which, in the opinion of counsel
  representing the Company in such Registration Statement (and which counsel is
  reasonably acceptable to such participating Holders), is required under the
  Securities Act or the rules and regulations thereunder in connection with the
  distribution of the Registrable Stock by such participating Holders, but for
  no longer than twelve (12) months (or eighteen (18) months in the case of a
  Registration Statement on Form S-3) subsequent to the effective date of such
  registration;

      (h) Prepare and promptly file with the Commission, and promptly notify
  such participating Holders of the filing of, such amendments or supplements to
  such Registration Statement or prospectus as may be necessary to correct any
  statements or omissions if, at the time when a prospectus relating to such
  Registrable Stock and/or Founder Registrable Stock is required to be delivered
  under the Securities Act, any event has occurred as the result of which any
  such prospectus or any other prospectus as then in effect would include an
  untrue statement of a material fact or omit to state any material fact
  required to be stated therein or necessary to make the statements therein not
  misleading;

      (i) In case any of such participating Holders or any underwriter for
  any such Holders is required to deliver a prospectus at a time when the
  prospectus then in circulation is not in compliance with the Securities Act or
  the rules and regulations of the Commission, prepare promptly upon request
  such amendments or supplements to such Registration Statement and such
  prospectus as may be necessary in order for such prospectus to comply with the
  requirements of the Securities Act and such rules and regulations;
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                                      -9-

          (j) Advise such participating Holders, promptly after it shall receive
     notice or obtain knowledge of the issuance of any stop order by the
     Commission or any state securities commission or agency suspending the
     effectiveness of such Registration Statement or the initiation or
     threatening of any proceeding for that purpose and promptly use its best
     efforts to prevent the issuance of any stop order or to obtain its
     withdrawal if such stop order should be issued;

          (k) At the request of any such participating Holder (i) furnish to
     such Holder, if such registration includes an underwritten public offering,
     at the closing provided for in the underwriting agreement, copies of any
     opinion, dated such date, of the counsel representing the Company for the
     purposes of such registration, addressed to the underwriters, if any,
     covering such matters with respect to the registration statement, the
     prospectus and each amendment or supplement thereto, proceedings under
     state and Federal securities laws, other matters relating to the Company,
     the securities being registered and the offer and sale of such securities
     as are customarily the subject of opinions of issuer's counsel provided to
     underwriters in underwritten public offerings and (ii) use its best efforts
     to furnish to such Holder letters dated each such effective date and such
     closing date, from the independent certified public accountants of the
     Company, addressed to the underwriters, if any, and to the Holder or
     Holders making such request, stating that they are independent certified
     public accountants within the meaning of the Securities Act and dealing
     with such matters as the underwriters may request, or, if the offering is
     not underwritten, that in the opinion of such accountants the financial
     statements and other financial data of the Company included in the
     Registration Statement or the prospectus or any amendment or supplement
     thereto comply in all material respects with the applicable accounting
     requirements of the Securities Act, and additionally covering such other
     financial matters, including information as to the period ending not more
     than five (5) business days prior to the date of such letter with respect
     to the Registration Statement and prospectus, as such requesting Holder or
     Holders may reasonably request and (iii) furnish to such Holder such
     information as such Holder may reasonably request for the purpose of
     establishing its "due diligence" defense under Section 11 of the Securities
     Act;

          (l) Apply for listing and use its best efforts to list the Registrable
     Stock being registered on any national securities exchange on which a class
     of the Company's equity securities is listed or, if the Company does not
     have a class of equity securities listed on a national securities exchange,
     apply for qualification and use its best efforts to qualify the Registrable
     Stock being registered for inclusion on the Nasdaq Stock Market.

     6.   Expenses.
          --------

          (a) With respect to each registration effected pursuant to Section 2,
     3 or 4 hereof, all fees, costs and expenses of and incidental to such
     registration and the public offering in connection therewith ("Registration
     Expenses") shall be borne by the Company; provided, however, (i) that
                                               --------  -------
     Holders and other holders of the Company's
<PAGE>

                                      -10-

     stock participating in any such registration shall bear their pro rata
     share of the underwriting discounts and selling commissions, and (ii) any
     such fee, cost or expense which does not constitute a fee, cost or expense
     customary in such a registration and which is attributable solely to one
     (1) Holder or other holder of the Company's stock participating in any such
     registration shall be borne by that holder or Holder; provided, further,
                                                           --------  -------
     that if a registration under Section 2 is withdrawn at the request of the
     Holders requesting such registration (other than as a result of information
     concerning the business or financial condition of the Company which is made
     known to the Holders after the date on which such registration was
     requested) and if the requesting Holders elect not to have such
     registration counted as a registration requested under Section 2, the
     requesting Holders shall pay the Registration Expenses of such registration
     pro rata in accordance with the number of shares of their Registrable Stock
     included in such registration.

          (b) The fees, costs and expenses of registration to be borne as
     provided in paragraph (a) above, shall include, without limitation, all
     registration, filing and NASD fees, printing expenses, fees and
     disbursements of counsel and accountants for the Company, fees and
     disbursements of counsel for the underwriter or underwriters of such
     securities (if the Company and/or selling security holders are otherwise
     required to bear such fees and disbursements), all legal fees and
     disbursements and other expenses of complying with state securities or blue
     sky laws of any jurisdictions in which the securities to be offered are to
     be registered or qualified, reasonable fees and disbursements of one
     counsel for the selling Holders and the other holders of the Company's
     stock and the premiums and other costs of policies of insurance insuring
     the Company against liability arising out of such public offering.

     7.   Indemnification and Contribution.
          --------------------------------

          (a) To the fullest extent permitted by law, the Company will indemnify
     and hold harmless each Holder whose shares of Registrable Stock are
     included in a Registration Statement pursuant to the provisions of this
     Agreement, and, in the Company's Initial Public Offering, each Holder
     whether or not such Holder's shares of Registrable Stock are included in
     any such Registration Statement, and any underwriter (as defined in the
     Securities Act) for such Holder, and any Person who controls such Holder or
     such underwriter within the meaning of the Securities Act, and each of
     their successors, from and against, and will reimburse such Holder and each
     such underwriter and controlling Person with respect to, any and all
     claims, actions, demands, losses, damages, liabilities, costs and expenses
     to which such Holder or any such underwriter or controlling Person may
     become subject under the Securities Act or otherwise, insofar as such
     claims, actions, demands, losses, damages, liabilities, costs or expenses
     arise out of or are based upon any untrue statement or allegedly untrue
     statement of any material fact contained in such Registration Statement,
     any prospectus contained therein or any amendment or supplement thereto, or
     arise out of or are based upon the omission or alleged omission to state
     therein a material fact required to be stated therein or necessary to make
     the statements therein not misleading or arise out of any violation by the
     Company of any rule or regulation
<PAGE>

                                      -11-

     under the Securities Act applicable to the Company and relating to action
     or inaction required of the Company in connection with such registration;
     provided, however, that the Company will not be liable in any such case to
     --------  -------
     the extent that any such claim, action, demand, loss, damage, liability,
     cost or expense arises out of or is based upon an untrue statement or
     alleged untrue statement or omission or alleged omission so made in
     reliance upon and in conformity with information furnished by or on behalf
     of any such Holder, such underwriter or controlling Person in writing
     specifically for use in the preparation thereof; and provided, further,
                                                          --------  -------
     that this indemnity shall not be deemed to relieve any underwriter of any
     of its due diligence obligations; and provided, further, that if any claim,
                                           --------  -------
     action, demand, loss, damage, liability, cost or expense arises out of or
     is based upon an untrue statement or alleged untrue statement or omission
     or alleged omission contained in any preliminary prospectus which did not
     appear in the final prospectus and if the Holder delivered a copy of the
     preliminary prospectus to the person alleging damage and failed to deliver
     a copy of the final prospectus to such persons, the Company shall not be
     liable with respect to the claims of such person.

          (b) Each Holder of shares of Registrable Stock which are included in a
     Registration Statement pursuant to the provisions of this Agreement will,
     severally and not jointly, indemnify and hold harmless the Company, each of
     its directors and officers, each underwriter, if any, of the Company's
     securities covered by such registration, each person who controls the
     Company or such underwriter within the meaning of the Securities Act, and
     each other Holder of shares of Registrable Stock which are included in the
     registration, each of the officers, directors and partners of each such
     other Holder and each person controlling such other Holder, from and
     against, and will reimburse such parties with respect to, any and all
     losses, damages, liabilities, costs or expenses to which such parties may
     become subject under the Securities Act or otherwise, to the extent that
     any such loss, damage, liability, cost or expense arises out of or is based
     upon any untrue or alleged untrue statement of any material fact contained
     therein or any amendment or supplement thereto, or arises out of or is
     based upon any omission or alleged omission to state therein a material
     fact required to be stated therein or necessary to make the statements
     therein not misleading, in each case to the extent, but only to the extent
     that such untrue statement or alleged untrue statement or omission or
     alleged omission was so made in reliance upon and in conformity with
     written information furnished by or on behalf of such Holder for use in the
     preparation thereof; provided that the liability of each Holder hereunder
     shall be limited to the proportion of any such loss, claim, damage,
     liability or expense which is equal to the proportion that the public
     offering price of the shares sold by such Holder under such registration
     statement bears to the total public offering price of all securities sold
     thereunder, but not in any event to exceed the net proceeds received by
     such Holder from the sale of shares of Registrable Stock covered by a
     Registration Statement; and provided, further, that this indemnity shall
                                 --------  -------
     not be deemed to relieve any underwriter of any of its due diligence
     obligations.

          (c) Promptly after receipt by a party to be indemnified pursuant to
     the provisions of paragraph (a) or (b) of this Section 7 (an "indemnified
     party") of actual
<PAGE>

                                      -12-

     knowledge or notice of the commencement of any action involving the subject
     matter of the foregoing indemnity provisions, such indemnified party will,
     if a claim thereof is to be made against the indemnifying party pursuant to
     the provisions of paragraph (a) or (b), notify the indemnifying party of
     the commencement thereof; but the omission so to notify the indemnifying
     party will not relieve it from any liability which it may have to an
     indemnified party otherwise than under this Section 7 and shall not relieve
     the indemnifying party from liability under this Section 7 unless such
     indemnifying party is prejudiced by such omission. In case such action is
     brought against any indemnified party and it notifies the indemnifying
     party of the commencement thereof, the indemnifying party shall have the
     right to participate in, and, to the extent that it may wish, jointly with
     any other indemnifying party similarly notified, to assume the defense
     thereof, with counsel reasonably satisfactory to such indemnified party,
     and after notice from the indemnifying party to such indemnified party of
     its election so to assume the defense thereof, the indemnifying party will
     not be liable to such indemnified party pursuant to the provisions of such
     paragraph (a) and (b) for any legal or other expense subsequently incurred
     by such indemnified party in connection with the defense thereof other than
     reasonable costs of investigation. Notwithstanding the foregoing, an
     indemnified party shall have the right to retain its own counsel, with the
     fees and expenses to be paid by the indemnifying party, if representation
     of such indemnified party by the counsel retained by the indemnifying party
     would be inappropriate due to actual or potential differing interests, as
     reasonably determined by either party, between such indemnified party and
     any other party represented by such counsel in such proceeding. No
     indemnifying party shall be liable to an indemnified party for any
     settlement of any action or claim without the consent of the indemnifying
     party; no indemnifying party may unreasonably withhold its consent to any
     such settlement. No indemnifying party will consent to entry of any
     judgment or enter into any settlement which does not include as an
     unconditional term thereof the giving by the claimant or plaintiff to such
     indemnified party of a release from all liability in respect to such claim
     or litigation.

          (d) In order to provide for just and equitable contribution to joint
     liability under the Securities Act in any case in which either (i) any
     Holder exercising rights under this Agreement, or any controlling Person of
     any such Holder, makes a claim for indemnification pursuant to this Section
     7 but it is judicially determined (by the entry of a final judgment or
     decree by a court of competent jurisdiction and the expiration of time to
     appeal or the denial of the last right of appeal) that such indemnification
     may not be enforced in such case notwithstanding the fact that this Section
     7 provides for the indemnification in such case, (ii) contribution under
     the Securities Act may be required on the part of any such selling Holder
     or any such controlling Person in circumstances for which indemnification
     was provided under this Section 7; then, and in each case, the Company and
     each such Holder will contribute to the aggregate losses, claims, damages
     or liabilities to which they may be subject (after contribution from
     others) in such proportion so that such Holder is responsible for the
     portion represented by the percentage that the public offering price of its
     Registrable Stock offered by the Registration Statement bears to the public
     price
<PAGE>

                                      -13-

     of all securities offered by such Registration Statement, and the
     Company is responsible for the remaining portion; provided, however, that,
                                                       --------  -------
     in any such case, (A) no Person or entity guilty of fraudulent
     misrepresentation (within the meaning of Section 11(f) of the Securities
     Act) will be entitled to contribution from any Person or entity was not
     guilty of such fraudulent misrepresentation and (B) no Holder will be
     required to contribute any amount in excess of the net proceeds received by
     such Holder from the sale of all such Registrable Stock offered by it
     pursuant to such Registration Statement.

     8.   Reporting Requirements Under Securities Exchange Act of 1934.  When
          ------------------------------------------------------------
it is first legally required to do so, the Company shall register its Common
Stock under Section 12 of the Exchange Act and shall keep effective such
registration and shall timely file such information, documents and reports as
the Commission may require or prescribe under Section 13 of the Exchange Act.
From and after the effective date of the first Registration Statement filed by
the Company, the Company shall use its best efforts to (whether or not it shall
then be required to do so) timely file such information, documents and reports
as the Commission may require or prescribe under Section 13 or 15(d) (whichever
is applicable) of the Exchange Act. Immediately upon becoming subject to the
reporting requirements of either Section 13 or 15(d) of the Exchange Act, the
Company shall forthwith upon request furnish any Holder (i) a written statement
by the Company that it has complied with such reporting requirements, (ii) a
copy of the most recent annual or quarterly report of the Company, and (iii)
such other reports and documents filed by the Company with the Commission as
such Holder may reasonably request in availing itself of an exemption for the
sale of Registrable Stock without registration under the Securities Act.  The
Company acknowledges and agrees that the purposes of the requirements contained
in this Section 8 are (a) to enable any such Holder to comply with the current
public information requirement contained in Paragraph (c) of Rule 144 under the
Securities Act should such Holder ever wish to dispose of any of the securities
of the Company acquired by it without registration under the Securities Act in
reliance upon Rule 144 (or any other similar or successor exemptive provision),
and (b) to qualify the Company for the use of Registration Statements on Form S-
3.  In addition, the Company shall take such other measures and file such other
information, documents and reports, as shall hereafter be required by the
Commission as a condition to the availability of Rule 144 under the Securities
Act (or any similar or successor exemptive provision hereafter in effect) and
the use of Form S-3.  The Company also covenants to use its best efforts, to the
extent that it is reasonably within its power to do so, to qualify for the use
of Form S-3.  From and after the effective date of the first Registration
Statement filed by the Company, the Company agrees to use its best efforts to
facilitate and expedite transfers of Registrable Stock pursuant to Rule 144
under the Securities Act (or any similar or successor exemptive provision
hereafter in effect), which efforts shall include timely notice to its transfer
agent to expedite such transfers of Registrable Stock.

     9.   Stockholder Information.  The Company may require each Holder of
          -----------------------
Registrable Stock or Founder Registrable Stock as to which any registration is
to be effected pursuant to this Agreement to furnish the Company in a timely
manner such information with respect to such Holder and the distribution of such
Registrable Stock or Founder Registrable
<PAGE>

                                      -14-

Stock as the Company may from time to time reasonably request in writing and as
shall be required by law or by the Commission in connection therewith.

     10.  Lock-Up Agreements.
          ------------------

          (a) Restrictions on Public Sale by the Holders.  Each Holder agrees
              ------------------------------------------
     that it will not, to the extent requested by the Company and the managing
     underwriter of such offering, sell or otherwise dispose of any equity
     securities of the Company, including any sale pursuant to Rule 144, during
     a period specified by the Company and such underwriter (not to exceed one
     hundred eighty (180) days after the effective date of the Initial Public
     Offering or ninety (90) days for any subsequent offering), except in
     conjunction with such underwritten offering.

          (b) Restrictions on Public Sale by Subsequent Holders.  Except in a
              -------------------------------------------------
     public offering registered under the Securities Act, the Company shall not
     issue or sell any equity security unless each recipient thereof agrees in
     writing with the Company not to offer to sell or sell such equity security
     during a period specified by the Company and the underwriter thereof (not
     to exceed one hundred eighty (180) days after the effective date of the
     Initial Public Offering), except in conjunction with such underwritten
     offering.

Notwithstanding anything herein to the contrary, this Agreement shall not
restrict Goldman, Sachs & Co. and its affiliates from engaging in any brokerage,
investment advisory, financial advisory, anti-raid advisory, merger advisory,
financing, asset management, trading, market making, arbitrage and other similar
activities conducted in the ordinary course of its or its affiliates' business,
so long as such activities are not reasonably expected to result in the transfer
of, or reduction of risk with respect to, the economic ownership of any
Registrable Stock or securities convertible into or exchangeable for any
Registrable Stock held by the Investors as of the date hereof.

     As a condition to the Holders' obligations under this Section 10, each
officer, director and holder of 5% or more of the outstanding Common Stock of
the Company shall have executed and be bound by a similar lock-up agreement in
favor of the Company.

     11.  Notices.  Any notice required or permitted to be given hereunder shall
be in writing and shall be deemed to be properly given when sent by registered
or certified mail, return receipt requested, by Federal Express, DHL or other
guaranteed overnight delivery service or by facsimile transmission, addressed as
follows:

     If to the Company:      eDocs, Inc.
                             321 Commonwealth Road
                             Wayland, MA  01778
                             Attn.:  President
                             Telecopier:  (508) 647-6717
<PAGE>

                                      -15-

     With a copy to:       Testa, Hurwitz & Thibeault, LLP
                           125 High Street
                           Boston, MA  02110
                           Attn.:  William J. Schnoor, Jr., Esq.
                           Telecopier:  (617) 248-7100

     If to any Investor:   To the address of such Investor set forth beneath
                           his, her or its signature to this Agreement, or at
                           such other address or addresses as may have been
                           furnished in writing to the Company by such Investor

     With a copy to:       Hale and Dorr LLP
                           60 State Street
                           Boston, MA  02109
                           Attn.:  Patrick J. Rondeau, Esq.
                           Telecopier:  (617) 526-5000

and if to any other Holder at such Holder's address for notice as set forth in
the register maintained by the Company, or, as to any of the foregoing, to such
other address as any such party may give the others notice of pursuant to this
Section, provided that a change of address shall only be effective upon receipt.

All notices, requests, consents and other communications hereunder shall be
deemed to have been received (i) if by hand, at the time of delivery thereof to
the receiving party at the address of such party set forth above or as so
designated, (ii) if made by telecopy or facsimile transmission, at the time that
receipt thereof has been acknowledged by electronic confirmation or otherwise,
(iii) if sent by overnight courier, on the next business day following the day
such notice is delivered to the courier service, or (iv) if sent by registered
or certified mail, on the fifth business day following the day such mailing is
made.

     12.  Governing Law.  This Agreement shall be governed by, and construed in
          -------------
accordance with, the substantive laws of the Commonwealth of Massachusetts
(without regard to conflict of laws provisions).

     13.  Waivers; Amendments.  No waiver of any right hereunder by any party
          -------------------
shall operate as a waiver of any other right, or of the same right with respect
to any subsequent occasion for its exercise, or of any right to damages.  No
waiver by any party of any breach of this Agreement shall be held to constitute
a waiver of any other breach or a continuation of the same breach.  All remedies
provided by this Agreement are in addition to all other remedies provided by
law.  This Agreement may not be amended except by a writing executed by the
Company and the Holders of at least sixty (60%) percent of the then outstanding
Registrable Stock and the securities convertible into, exchangeable for or
exercisable for Registrable Stock (calculated on an as converted, exchanged or
exercised basis); provided, that this Agreement may be amended with the consent
                  --------
of the Holders of less
<PAGE>

                                      -16-

than all of the outstanding Registrable Stock only in a manner which applies to
all such Holders in the same fashion.

     14.  Other Registration Rights.  The Company shall not grant to any third
          -------------------------
party any registration rights more favorable than any of those contained herein,
or which would interfere with or delay the exercise by the Holders of their
registrations rights hereunder, so long as any of the registration rights under
this Agreement remains in effect, unless approved by Holders of sixty (60%)
percent of the shares of Registrable Stock, which approval may require that such
rights be granted only pursuant to an amendment or restatement of this
Agreement.

     15.  Successors and Assigns.  This Agreement shall be binding upon and
          ----------------------
shall inure to the benefit of the respective legal representatives, successors
and assigns of the parties hereto; provided, however, that registration rights
conferred herein shall only inure to the benefit of a transferee if (i) there is
transferred at least 50% of the Registratable Stock or Founder Registrable
Stock, as the case may be, held by the transferor of such shares as of the date
hereof or (ii) such transferee is a partner, shareholder or affiliate of a party
hereto; and provided further that any person or entity to which Registrable
Shares are proposed to be transferred shall provide prior written notice of such
proposed transfer to the Company.

     16.  Counterparts.  This Agreement may be executed in two or more
          ------------
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

     17.  Prior Understandings.  This Agreement represents the complete
          --------------------
agreement of the parties with respect to the transactions contemplated hereby
and supersedes all prior agreements and understandings.

     18.  Headings.  Headings in this Agreement are included for reference only
          --------
and shall have no effect upon the construction or interpretation of any part of
this Agreement.

     19.  Severability.  If any provision of this Agreement shall be held to be
          ------------
illegal, invalid or unenforceable, such illegality, invalidity or
unenforceability shall attach only to such provision and shall not in any manner
affect or render illegal, invalid or unenforceable any other provision of this
Agreement, and this Agreement shall be carried out as if any such illegal,
invalid or unenforceable provision were not contained herein.

                     [This space intentionally left blank]

<PAGE>

                                      -17-

     IN WITNESS WHEREOF, the Company has caused this Agreement to be executed by
a duly authorized officer, and each Investor has duly executed this Agreement
(or has caused it to be executed by a duly authorized officer, partner, trustee
or agent, as the case may be), as of the date first above recited.

                              COMPANY:

                              eDocs, Inc.

                              By:/s/ Kevin Laracey
                                 -----------------

                       (See counterpart signature pages.)

<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              INVESTOR:
                              --------

                              CHARLES RIVER PARTNERSHIP VIII,
                              A Limited Partnership

                              By:/s/ Jonathan M. Guerster
                                 ------------------------

                              Address:  1000 Winter Street
                                        Suite 3300
                                        Boston, MA  02154
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              INVESTOR:
                              --------

                              SIGMA PARTNERS IV, L.P.

                              By:/s/ Wade Woodson
                                 ----------------

                              Address:  2884 Sand Hill Road, Suite 121
                                        Menlo Park, CA  94025

                              SIGMA ASSOCIATES IV, L.P.

                              By:/s/ Wade Woodson
                                 ----------------

                              Address:  2884 Sand Hill Road, Suite 121
                                        Menlo Park, CA  94025

                              SIGMA INVESTORS IV, L.P.

                              By:/s/ Wade Woodson
                                 ----------------

                              Address:  2884 Sand Hill Road, Suite 121
                                        Menlo Park, CA  94025
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              INVESTOR:
                              --------

                              JAFCO CO., LTD.

                              By:/s/ Hitoshi Imuta
                                 -----------------
                                 Hitoshi Imuta, Chairman
                                 JAFCO America Ventures Inc.
                                 Attorney-in-fact

                              Address:  One Boston Place
                                        Suite 3320
                                        Boston, MA  02108

                              JAFCO L-1 VENTURE CAPITAL

                              INVESTMENT PARTNERSHIP

                              By:/s/ Hitoshi Imuta
                                 -----------------
                                 Hitoshi Imuta, Chairman
                                 JAFCO America Ventures Inc.
                                 Attorney-in-fact

                              Address:  One Boston Place
                                        Suite 3320
                                        Boston, MA  02108

                              U.S. INFORMATION TECHNOLOGY
                              FUND III, L.P.

                              By:/s/ Hitoshi Imuta
                                 -----------------
                                 Hitoshi Imuta, Chairman
                                 JAFCO America Ventures Inc.
                                 Its Executive Partner

                              Address:  One Boston Place
                                        Suite 3320
                                        Boston, MA  02108
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                         INVESTOR:
                         --------

                         THE GOLDMAN SACHS GROUP, L.P.
                         By: The Goldman Sachs Corporation,
                             its general partner

                         By: /s/ Joseph Gleberman
                             --------------------
                             Name:   Joseph Gleberman
                             Title:  Executive Vice President

                         Address:  85 Broad Street, 19th Floor
                                   New York, NY 10004

                         STONE STREET FUND 1999, L.P.
                         By: Stone Street 1999 Corp.,
                             its general partner

                         By: /s/ Eve M. Gerriets
                             -------------------
                             Name:   Eve M. Gerriets
                             Title:  Vice President

                         Address:  85 Broad Street, 19th Floor
                                   New York, NY 10004

                         BRIDGE STREET FUND 1999, L.P.
                         By: Stone Street 1999 Corp.,
                             its general partner

                         By: /s/  Eve M. Gerriets
                             --------------------
                             Name:   Eve M. Gerriets
                             Title:  Vice President

                         Address:  85 Broad Street, 19th Floor
                                   New York, NY 10004
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              INVESTOR:
                              --------

                              COMDISCO, INC.

                              By:/s/ James P. Labe
                                 -----------------

                              Address:  6111 North River Road
                                        Rosemont, IL  60018
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              FOUNDER:
                              -------

                              /s/ Kevin Laracey
                              -----------------
                              Kevin Laracey
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              FOUNDER:
                              -------

                              /s/ Kris Canekeratne
                              --------------------
                              Kris Canekeratne
<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           --------------------------

                              FOUNDER:
                              -------

                              /s/ James Moran
                              ---------------
                              James Moran<PAGE>

                                                                    EXHIBIT 10.5
                                                                    ------------

                               AMENDMENT NO. 1 TO
                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

     THIS AMENDMENT NO. 1 TO AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT
(the "Amendment") is made and entered into as of the 6th day of August, 1999 by
and among eDocs, Inc., a Delaware corporation (the "Company"), Kevin Laracey,
Kris Canekeratne and James Moran (each, a "Founder" and together, the
"Founders"), the holders of the Company's Series A Convertible Preferred Stock
(the "Series A Holders"), the holders of the Company's Series B Convertible
Preferred Stock (the "Series B Investors") and American Express Travel Related
Services Company, Inc. (the "Series C Investor").  The Series A Holders, the
Series B Investors and the Series C Investor are hereinafter referred to
individually as an "Investor" and collectively as the "Investors."

     WHEREAS, the Company, the Founders, the Series A Holders and the Series B
Investors are parties to an Amended and Restated Registration Rights Agreement
dated as of April 30, 1999 (the "Amended and Restated Registration Rights
Agreement").

     WHEREAS, the Series C Investor has on this date purchased, and the Company
has issued to the Series C Investor pursuant to that certain Series C-1
Convertible Preferred Stock and Warrant Purchase Agreement of even date herewith
(the "Series C Purchase Agreement") the number of shares of the Company's Series
C-1 Convertible Preferred Stock, $0.001 par value per share and a warrant to
purchase the number of shares of the Company's Series C-2 Convertible Preferred
Stock, $0.001 par value per share as set forth opposite the Series C Investor's
name on Exhibit 2.01A to the Series C Purchase Agreement; and
        -------------

     WHEREAS, it is a condition precedent to the obligation of the Series C
Investor under the Series C Purchase Agreement that the Company, the Series A
Holders and the Series B Investors amend the Amended and Restated Registration
Rights Agreement to admit the Series C Investor as a party thereto;

     NOW, THEREFORE, in consideration of the mutual promises and covenants
contained in this Amendment and in the Series C Purchase Agreement and pursuant
to Section 13 of the Amended and Restated Registration Rights Agreement, the
Company and the Holders (as defined in the Amended and Restated Registration
Rights Agreement) holding at least sixty percent (60%) of the Registrable Stock
(as defined in the Amended and Restated Registration Rights Agreement) and the
securities convertible into, exchangeable for or exercisable for Registrable
Stock, do hereby amend the Amended and Restated Registration Rights Agreement,
as follows:
<PAGE>

                                      -2-

     1.  The definitions of "Investors" and "Preferred Stock" set forth in
Section 1 of the Amended and Restated Registration Rights Agreement shall each
be amended and restated as follows:

          "Investors" means the Series A Holders, the Series B Investors and the
           ---------
     persons or entities which purchased or will purchase shares of Series C
     Preferred Stock pursuant to the Series C Purchase Agreement and the Series
     C Warrant.

          "Preferred Stock" means the Series A Preferred Stock, the Series B
           ---------------
     Preferred Stock and the Series C Preferred Stock, in each case, now owned
     or hereinafter acquired.

     2.  Section 1 of the Amended and Restated Registration Rights Agreement
shall be amended by adding the definitions of "Series C Preferred Stock" and
"Series C Purchase Agreement" as follows:

          "Series C Preferred Stock" means and includes the Company's Series C-1
           ------------------------
     Convertible Preferred Stock, $0.001 par value per share and the Company's
     Series C-2 Convertible Preferred Stock, $0.001 par value per share.

          "Series C Purchase Agreement" shall mean that certain Series C-1
           ---------------------------
     Convertible Preferred Stock and Warrant Purchase Agreement dated as of
     August 6, 1999 by and between the Company and American Express Travel
     Related Services Company, Inc.

          "Series C Warrant" shall mean that certain Series C-2 Convertible
           ----------------
     Preferred Stock Purchase Warrant of the Company dated as of August 6, 1999
     issued to American Express Travel Related Services Company, Inc. for the
     purchase of up to 126,103 shares of the Company's Series C-2 Convertible
     Preferred Stock, $0.001 par value per share.

     3.   Section 13 of the Amended and Restated Registration Rights Agreement
shall be amended and restated as follows:

          13.  Waivers; Amendments.  No waiver of any right hereunder by any
               -------------------
     party shall operate as a waiver of any other right, or of the same right
     with respect to any subsequent occasion for its exercise, or of any right
     to damages.  No waiver by any party of any breach of this Agreement shall
     be held to constitute a waiver of any other breach or a continuation of the
     same breach.  All remedies provided by this Agreement are in addition to
     all other remedies provided by law.  Except for Section 2, this Agreement
     may not be amended or modified, except by a writing executed by the Company
     and the Holders of at least sixty percent (60%) of the then outstanding
     Registrable Stock and the securities convertible into, exchangeable for or
     exercisable for Registrable Stock (calculated on an as converted, exchanged
     or exercised basis).  Section 2 may only be amended or modified by a
     writing executed by the Company, the holders of at least a majority
<PAGE>

                                      -3-

     of the Founder Registrable Stock and the Holders of at least sixty percent
     (60%) of the then outstanding Registrable Stock and the securities
     convertible into, exchangeable for or exercisable for Registrable Stock
     (calculated on an as converted, exchanged or exercised basis). This
     Agreement may be amended with the consent of the Holders of less than all
     of the outstanding Registrable Stock or Founder Registrable Stock only in a
     manner which applies to all holders in the same fashion.

     4.   The Amended and Restated Registration Rights Agreement shall be
amended to add a Section 20, as follows:

          20.  Additional Parties.  Each party hereto agrees that any person who
               ------------------
     acquires any Series C Preferred Stock of the Company pursuant to the Series
     C Purchase Agreement may become a party to this Agreement by executing a
     counterpart hereto, in which event such person shall become bound by and
     shall enjoy the benefits conferred hereby.

     5.    Governing Law.  This Amendment shall be governed by, construed in
           -------------
accordance with, the laws of the Commonwealth of Massachusetts (without regard
to conflict of laws provisions).

     6.    Entire Agreement.  The Amended and Restated Registration Rights
           ----------------
Agreement, as amended hereby, constitutes the full and entire understanding
among the parties regarding the subject matter herein.  Except as otherwise
expressly provided herein, the provisions hereof shall inure to the benefit of,
and be binding upon, the successors, assigns, heirs, executors and
administrators of the parties hereto.

     7.    Full Force and Effect.  Except as amended hereby, the Amended and
           ---------------------
Restated Registration Rights Agreement shall remain in full force and effect.

     8.    Counterparts.  This Amendment may be executed in two or more
           ------------
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

     9.    Headings.  Headings in this Amendment are included for reference only
           --------
and have no effect upon the construction or interpretation of any part of this
Amendment.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
<PAGE>

                                      -4-

     IN WITNESS WHEREOF, the Company has caused this Amendment to be executed by
a duly authorized officer, and each Investor has duly executed this Amendment
(or has caused it to be executed by a duly authorized officer, partner, trustee
or agent, as the case may be), as of the date first above recited.

                              COMPANY:

                              eDocs, Inc.

                              By:/s/ Kevin Laracey
                                 -----------------

                       (See counterpart signature pages.)
<PAGE>

                               AMENDMENT NO. 1 TO
                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                         * COUNTERPART SIGNATURE PAGE *
                           ----------------------------

                                 INVESTOR:
                                 ---------

                              AMERICAN EXPRESS TRAVEL
                              RELATED SERVICES COMPANY, INC.

                              By: ____________________________

                              Address:  American Express Tower
                                        World Financial Center
                                        New York, NY  10285
<PAGE>

                               AMENDMENT NO. 1 TO
                              AMENDED AND RESTATED
                          REGISTRATION RIGHTS AGREEMENT

                          * COUNTERPART SIGNATURE PAGE *
                            --------------------------

                          INVESTORS:
                          ---------

                          CHARLES RIVER PARTNERSHIP VIII,
                          A Limited Partnership

                          By:/s/ Jonathan M. Guerster
                                 -------------------------

                          Address:  1000 Winter Street
                                    Suite 3300
                                    Boston, MA  02154

                          SIGMA PARTNERS IV, L.P.

                          By:/s/  Robert E. Davoli
                                  ------------------------

                          Address:  2884 Sand Hill Road, Suite 121
                                    Menlo Park, CA 94025

                          SIGMA ASSOCIATES IV, L.P.

                          By:/s/  Robert E. Davoli
                                  ------------------------

                          Address:  2884 Sand Hill Road, Suite 121
                                    Menlo Park, CA 94025
<PAGE>

                          SIGMA INVESTORS IV, L.P.

                          By:/s/  Robert E. Davoli
                                  ------------------------

                          Address:  2884 Sand Hill Road, Suite 121
                                    Menlo Park, CA 94025

                          JAFCO CO., LTD.

                          By:/s/ Barry J. Schiffman
                                 ------------------------

                          Address:  One Boston Place
                                    Suite 3320
                                    Boston, MA  02108

                          JAFCO L-1 VENTURE CAPITAL
                          INVESTMENT PARTNERSHIP

                          By:/s/ Barry J. Schiffman
                                 ------------------------
                          Address:  One Boston Place
                                    Suite 3320
                                    Boston, MA  02108

                          U.S. INFORMATION TECHNOLOGY
                          FUND III, L.P.

                          By:  /s/ Barry J. Schiffman
                                   ------------------------

                          Address:  One Boston Place
                                    Suite 3320
                          Boston, MA  02108
<PAGE>

                          THE GOLDMAN SACHS GROUP, L.P.

                          By: ____________________________
                          The Goldman Sachs Corporation,
                          its general partner

                          By: ____________________________
                          Name: __________________________
                          Title: _________________________

                          Address:  85 Broad Street, 19th Floor
                                    New York, NY  10004
                                    Attention:  Randy Blumenthal

                          Facsimile:  (212) 357-5505

                          STONE STREET FUND 1999, L.P.
                          By:  Stone Street 1999 Corp.,
                               its general partner

                          By:________________________________
                             Name:
                             Title:

                          Address:  85 Broad Street, 19th Floor
                                    New York, NY  10004
                                    Attention:  Randy Blumenthal

                          Facsimile:  (212) 357-5505

<PAGE>

                          BRIDGE STREET FUND 1999, L.P.
                          By:  Stone Street 1999 Corp.,
                               its general partner

                          By:________________________________
                             Name:
                             Title:

                          Address:  85 Broad Street, 19th Floor
                                    New York, NY  10004
                                    Attention:  Randy Blumenthal

                          Facsimile:  (212) 357-5505

                          COMDISCO, INC.

                          By: _______________________________

                          Address:  6111 North River Road
                                    Rosemont, IL  60018

                                    FOUNDERS:
                                    ---------

                                    /s/ Kevin E. Laracey
                                    -----------------------------------
                                    Kevin E. Laracey

                                    /s/ James Moran
                                    -----------------------------------
                                    James Moran

                                    /s/ Kris Canekeratne
                                    -----------------------------------
                                    Kris Canekeratne

<PAGE>

                              AMENDED AND RESTATED
                         REGISTRATION RIGHTS AGREEMENT

                           Counterpart Signature Page
                           --------------------------

                            Dated September 30, 1999

          Reference is made to that certain Amended and Restated Registration
Rights Agreement dated as of April 30, 1999 by and among eDocs, Inc. a Delaware
corporation (the "Company") and the parties thereto, as amended by Amendment No.
1 dated as of August 6, 1999 (as so amended, the "Registration Rights
Agreement").  Capitalized terms used as defined terms herein and not otherwise
defined shall have the meaning ascribed to such terms in the Registration Rights
Agreement.

          GE Capital Equity Investments, Inc. (the "Additional Purchaser") has,
on this date purchased, and the Company has issued to the Additional Purchaser
pursuant to that certain Series C-1 Convertible Preferred Stock and Warrant
Purchase Agreement dated as of August 6, 1999 by and between the Company and
American Express Travel Related Service Company, Inc., 189,036 shares of the
Series C-1 Convertible Preferred Stock, $0.001 par value per share (the "Series
C-1 Preferred Stock"), of the Company.

          By execution of this Counterpart Signature Page to the Registration
Rights Agreement, the undersigned hereby:  (a) acknowledges receipt of a copy of
the Registration Rights Agreement; (b) agrees that the shares of Common Stock
issuable upon conversion of the Series C-1 Preferred Stock acquired by the
undersigned shall be included within the meaning of Registrable Stock for all
purposes of, and shall be subject in all respects to, the Registration Rights
Agreement; and (c) agrees that the undersigned shall be bound by and obtain the
benefit of the rights and restrictions of the Registration Rights Agreement as a
Holder thereunder.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
<PAGE>

               AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT

                           Counterpart Signature Page
                           --------------------------

     IN WITNESS WHEREOF, the parties hereto have hereunto set their hands as of
the date first above written.

                         COMPANY:
                         -------

                         eDocs, Inc.

                         By:/s/ Kevin E. Laracey
                            --------------------
                            Name:  Kevin E. Laracey
                            Title:    Chief Executive Officer

                         GE CAPITAL EQUITY INVESTMENTS, Inc.

                         By:/s/ Michael S. Fisher
                            ---------------------
                            Michael S. Fisher
                            Sr. Vice President

<PAGE>

               AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT

                           Counterpart Signature Page
                           --------------------------

     IN WITNESS WHEREOF, the parties hereto have hereunto set their hands as of
the date first above written.

                         COMPANY:
                         -------

                         eDocs, Inc.

                         By:/s/ Kevin E. Laracey
                            --------------------
                            Name:  Kevin E. Laracey
                            Title: Chief Executive Officer

                         GE CAPITAL EQUITY INVESTMENTS, Inc.

                         By:/s/ Michael S. Fisher
                            ---------------------
                            Michael S. Fisher
                            Sr. Vice President

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