Document:

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                                                                   Exhibit 10.18

                              eFunds Corporation
                           2000 STOCK INCENTIVE PLAN
                     (as amended as of February 16, 2001)

Section 1. Purpose.

The purpose of the Plan is to promote the interests of the Company and its
stockholders by aiding the Company in attracting and retaining employees,
officers, directors, consultants and advisors capable of assuring the future
success of the Company, by offering such persons incentives to put forth maximum
efforts for the success of the Company's business, and by affording such persons
an opportunity to acquire a proprietary interest in the Company.

Section 2. Definitions.

As used in the Plan, the following terms shall have the meanings set forth
below:

(a)  "Affiliate" shall mean any entity that, directly or indirectly through one
     or more intermediaries, is controlled by the Company and any entity in
     which the Company has a significant equity interest, in each case as
     determined by the Committee. As used in this definition, "control" shall
     mean the right, either directly or indirectly, to elect the majority of the
     directors of a company without the consent or acquiescence of any Third
     Party.

(b)  "Award" shall mean any Option, Stock Appreciation Right, Restricted Stock,
     Restricted Stock Right, Performance Award, Dividend Equivalent or Other
     Stock-Based Award granted under the Plan.

(c)  "Award Agreement" shall mean any written agreement, contract or other
     instrument or document evidencing any Award granted under the Plan.

(d)  "Board" shall mean the board of directors of the Company.

(e)  "Certificate" shall mean the Certificate of Incorporation of the Company,
     as amended from time to time.

(f)  "Code" shall mean the Internal Revenue Code of 1986 of the United States of
     America, as amended from time to time, and any regulations promulgated
     thereunder.

(g)  "Committee" shall mean a committee of the Board designated by the Board to
     administer the Plan. The Committee shall consist solely of Directors
     appointed from time to time by the Board and shall be comprised solely of
     at least that number of Directors with those qualifications necessary to
     permit Awards under the Plan to qualify under Rule 16b-3 and under Section
     162(m) of the Code.

(h)  "Common Stock" shall mean the shares of Common Stock of the Company as
     provided in the Certificate.

(i)  "Company" shall mean eFunds Corporation, a corporation incorporated under
     the laws of the State of Delaware, United States of America,  and any
     successor corporation.

(j)  "Director" shall mean a member of the Board.

(k)  "Dividend Equivalent" shall mean any right granted under Section 6(e) of
     the Plan.

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(l)  "Eligible Person" shall mean any officer, Director (including a non-
     employee Director) or employee of the Company or any of its Affiliates and
     any consultant or advisor who provides services to the Company or any of
     its Affiliates, as determined by the Committee and selected by the
     Committee for an Award under the Plan.

(m)  "Exchange Act" shall mean the United States Securities Exchange Act of
     1934, as amended from time to time, and any regulations promulgated
     thereunder.

(n)  "Fair Market Value" shall mean, with respect to any property (including,
     without limitation, any Shares or other securities), the fair market value
     of such property determined by such methods or procedures as shall be
     established from time to time by the Committee. Notwithstanding the
     foregoing, unless otherwise determined by the Committee, the Fair Market
     Value of a Share on a given date for purposes of the Plan shall be, if the
     Shares are then traded on the Nasdaq National Market, the last sale price
     of the Shares as reported on the Nasdaq National Market on such date or, if
     the Nasdaq National Market is not open for trading on such date, on the
     most recent preceding date when it is open for trading,

(o)  "Option" shall mean an option granted under Section 6(a) of the Plan that
     is not intended to meet the requirements of Section 422 of the Code or any
     successor provision, and shall include any Reload Option.

(p)  "Other Stock-Based Award" shall mean any right granted under Section 6(f)
     of the Plan.

(q)  "Participant" shall mean an Eligible Person designated to be granted an
     Award under the Plan.

(r)  "Performance Award" shall mean any right granted under Section 6(d) of the
     Plan.

(s)  "Person" shall mean any natural person, corporation, partnership,
     association or trust.

(t)  "Plan" shall mean this eFunds Corporation 2000 Stock Incentive Plan, as
     amended from time to time.

(u)  "Reload Option" shall mean any Option granted under Section 6(a)(iv) of the
     Plan.

(v)  "Restricted Stock" shall mean any Share issued pursuant to an Award granted
     under Section 6(c) of the Plan.

(w)  "Restricted Stock Right" shall mean any right granted under Section 6(c) of
     the Plan.

(x)  "Rule 16b-3" shall mean the rule so designated which has been promulgated
     by the SEC under the authority of Section 16 of the Exchange Act, as such
     rule may be amended from time to time, together with any successor law or
     rule.

(y)  "SEC" shall mean the United States Securities and Exchange Commission.

(z)  "Shares" shall mean shares of Common Stock or such other securities or
     property as may become subject to Awards pursuant to an adjustment made
     under Section 4(c) of the Plan.

(aa) "Stock Appreciation Right" shall mean any right granted under Section 6(b)
     of the Plan.

(bb) "Third Party" shall mean any Person other than the Company or any of its
     Affiliates.

Section 3. Administration.

(a)  Power and Authority of the Committee. The Plan shall be administered by the
     Committee. Subject to the express provisions of the Plan and to applicable
     law, the Committee shall have full power and authority to: (i) designate
     Participants; (ii) determine the type or types of Awards to be granted to
     each

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     Participant under the Plan; (iii) determine the number of Shares to be
     covered by (or the method by which payments or other rights are to be
     calculated in connection with) each Award; (iv) determine the terms and
     conditions of any Award or Award Agreement; (v) subject to Section 7(c) of
     this Plan, amend the terms and conditions of any Award or Award Agreement
     and accelerate the exercisability of any Award or the lapse of restrictions
     relating to any Award; (vi) determine whether, to what extent and under
     what circumstances Awards may be exercised with the payment of cash,
     Shares, promissory notes, other securities, other Awards or other property,
     or canceled, forfeited or suspended; (vii) determine whether, to what
     extent and under what circumstances cash, Shares, promissory notes, other
     securities, other awards, other property and other amounts issuable or
     payable by the Company with respect to an Award under the Plan shall be
     deferred either automatically or at the election of the holder thereof or
     the Committee; (viii) interpret and administer the Plan and any instrument
     or agreement, including an Award Agreement, relating to the Plan; (ix)
     establish, amend, suspend or waive such rules and regulations and appoint
     such agents as it shall deem appropriate for the proper administration of
     the Plan; and (x) make any other determination and take any other action
     that the Committee deems necessary or desirable for the administration of
     the Plan. Unless otherwise expressly provided in the Plan, all
     designations, determinations, interpretations and other decisions under or
     with respect to the Plan or any Award shall be within the sole discretion
     of the Committee, may be made at any time and shall be final, conclusive
     and binding upon any Participant, any holder or beneficiary of any Award
     and any employee of the Company or its Affiliates and any other Eligible
     Person.

(b)  Delegation. The Committee may delegate all or any of its powers and duties
     under the Plan to one or more Directors, or a committee of Directors,
     subject to such terms, conditions and limitations as the Committee may
     establish in its sole discretion; provided, however, that the Committee
     shall not delegate its powers and duties under this Plan with regard to
     Awards granted to officers or directors of the Company or its Affiliates
     who are subject to Section 16 of the Exchange Act or in such a manner as
     would cause the Plan not to comply with the requirements of Section 162(m)
     of the Code.

(c)  Power and Authority of the Board of Directors. Notwithstanding anything to
     the contrary contained herein, the Board may, at any time and from time to
     time, without any further action of the Committee, exercise the powers and
     duties of the Committee under the Plan.

Section 4. Shares Available for Awards.

(a)  Shares Available. Subject to the provisions of Section 4(c) hereof, the
     Shares available for Awards under the Plan shall be authorized, but
     unissued, Shares or Shares held in the treasury of the Company. Subject to
     adjustment as provided in Section 4(c), the aggregate number of Shares
     which may be issued under all Awards under the Plan shall be 9,100,000. If
     any Shares covered by an Award or to which an Award relates are not
     purchased or are forfeited, or if an Award otherwise terminates without
     delivery of any Shares, then the number of Shares counted against the
     aggregate number of Shares available under the Plan with respect to such
     Award, to the extent of any such forfeiture or termination, shall again be
     available for granting Awards under the Plan.

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(b)  Accounting for Awards. For purposes of this Section 4, if an Award entitles
     the holder thereof to receive or purchase Shares, the number of Shares
     covered by such Award or to which such Award relates shall be counted on
     the date of grant of such Award against the aggregate number of Shares
     available for grants under the Plan.

(c)  Adjustments. In the event that the Committee shall determine that any
     dividend or other distribution (whether in the form of cash, Shares, other
     securities or other property), recapitalization, stock split, reverse stock
     split, reorganization, merger, consolidation, split-up, spin-off,
     combination, repurchase or exchange of Shares or other securities of the
     Company, issuance of warrants or other rights to purchase Shares or other
     securities of the Company or other similar corporate transaction or event
     affects the Shares such that an adjustment is determined by the Committee
     to be appropriate in order to prevent dilution or enlargement of the
     benefits or potential benefits intended to be made available under the
     Plan, then the Committee shall, in such manner as it may deem equitable,
     adjust any or all of (i) the number and type of Shares (or other securities
     or other property) which thereafter may be made the subject of Awards, (ii)
     the number and type of Shares (or other securities or other property)
     subject to outstanding Awards and (iii) the purchase or exercise price with
     respect to any Award; provided, however, that the number of Shares covered
     by any Award or to which such Award relates shall always be a whole number.

(d)  Award Limitations Under the Plan. The maximum number of Shares available
     for Awards of Restricted Stock or Restricted Stock Rights under the Plan
     shall be 455,000. In addition, no Participant may be granted any Award or
     Awards under the Plan, the value of which Award or Awards is based solely
     on an increase in the value of the Shares after the date of grant of such
     Award or Awards, for more than 1,000,000 Shares (subject to adjustment as
     provided for in Section 4(c) of the Plan) in the aggregate in any calendar
     year. The foregoing annual limitation specifically includes the grant of
     any Award or Awards representing "qualified performance-based compensation"
     within the meaning of Section 162(m) of the Code.

Section 5. Eligibility.

Any Eligible Person shall be eligible to be designated a Participant. In
determining which Eligible Persons shall receive an Award and the terms of any
Award, the Committee may take into account the nature of the services rendered
by the respective Eligible Persons, their present and potential contributions to
the success of the Company, and such other factors as the Committee, in its
discretion, shall deem relevant.

Section 6. Awards.

(a)  Options. The Committee is hereby authorized to grant Options to
     Participants with the following terms and conditions and with such
     additional terms and conditions not inconsistent with the provisions of the
     Plan as the Committee shall determine:

     (i)  Exercise Price. The purchase price per Share purchasable under an
          Option shall be determined by the Committee; provided, however, that
          such purchase price shall not be less than 100% of

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            the Fair Market Value of a Share on the date of grant of such
            Option, provided that the per Share exercise price may be set below
            Fair Market Value by an amount determined necessary or appropriate
            by the Committee to satisfy applicable requirements of law or
            government regulation.

     (ii)   Option Term. The term of each Option shall be fixed by the
            Committee, but shall not exceed ten years.

     (iii)  Time and Method of Exercise. The Committee shall determine the time
            or times at which an Option may be exercised in whole or in part and
            the method or methods by which, and the form or forms (including,
            without limitation, cash, Shares, promissory notes, other
            securities, other Awards or other property, or any combination
            thereof, having a Fair Market Value on the exercise date equal to
            the relevant exercise price) in which, payment of the exercise price
            with respect thereto may be made or deemed to have been made.

     (iv)   Reload Options. The Committee may grant Reload Options, separately
            or together with another Option, pursuant to which, subject to the
            terms and conditions established by the Committee, the Participant
            would be granted a new Option when the payment of the exercise price
            of a previously granted option is made by the delivery of Shares
            owned by the Participant pursuant to Section 6(a)(iii) hereof or the
            relevant provisions of another plan of the Company, and/or when
            Shares are tendered or withheld as payment of the amount to be
            withheld under applicable income tax laws in connection with the
            exercise of an Option, which new Option would be an Option to
            purchase the number of Shares not exceeding the sum of (A) the
            number of Shares so provided as consideration upon the exercise of
            the previously granted option to which such Reload Option relates
            and (B) the number of Shares, if any, tendered or withheld as
            payment of the amount to be withheld under applicable tax laws in
            connection with the exercise of the option to which such Reload
            Option relates pursuant to the relevant provisions of the plan or
            agreement relating to such option. Reload Options may be granted
            with respect to Options previously granted under the Plan or options
            previously granted under any other stock option plan of the Company
            or may be granted in connection with any Option granted under the
            Plan or options granted under any other stock option plan of the
            Company at the time of such grant. Such Reload Options shall have a
            per Share exercise price equal to the Fair Market Value of one Share
            as of the date of grant of the new Option, provided that the per
            Share exercise price may be set below Fair Market Value by an amount
            determined necessary or appropriate by the Committee to satisfy
            applicable requirements of law or government regulation. Any Reload
            Option shall be subject to availability of sufficient Shares for
            grant under the Plan. Shares surrendered as part or all of the
            exercise price of the Option to which it relates that have been
            owned by the optionee less than six months will not be counted for
            purposes of determining the number of Shares that may be purchased
            pursuant to a Reload Option.

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(b)  Stock Appreciation Rights. The Committee is hereby authorized to grant
     Stock Appreciation Rights to Participants subject to the terms of the Plan
     and any applicable Award Agreement. A Stock Appreciation Right granted
     under the Plan shall confer on the holder thereof the right to receive upon
     exercise thereof the excess of (i) the Fair Market Value of one Share on
     the date of exercise (or, if the Committee shall so determine, at any time
     during a specified period before or after the date of exercise) over (ii)
     the grant price (as the same may be adjusted under Section 4(c) of the
     Plan) per Share of the Stock Appreciation Right as specified by the
     Committee, which price shall not be less than 100% of the Fair Market Value
     of one Share (subject to any such adjustment) on the date of grant of the
     Stock Appreciation Right, provided that the grant price per Share may be
     set below Fair Market Value by an amount determined necessary or
     appropriate by the Committee to satisfy applicable requirements of law or
     government regulation. Subject to the terms of the Plan and any applicable
     Award Agreement, the grant price, term, methods of exercise, dates of
     exercise, methods of settlement and any other terms and conditions of any
     Stock Appreciation Right shall be as determined by the Committee, which may
     impose upon the exercise of any Stock Appreciation Right such conditions or
     restrictions, not inconsistent with the provisions of the Plan, as it may
     deem appropriate. The term of any Stock Appreciation Right shall not exceed
     ten years.

(c)  Restricted Stock and Restricted Stock Rights. The Committee is hereby
     authorized to grant Awards of Restricted Stock and Restricted Stock Rights
     to Participants subject to the following terms and conditions and such
     additional terms and conditions, not inconsistent with the provisions of
     the Plan, as the Committee shall determine:

     (i)    Restrictions. Shares of Restricted Stock and Restricted Stock Rights
            shall be subject to such restrictions as the Committee may impose
            (including, without limitation, any limitation on the right to vote
            a share of Restricted Stock or the right to receive any dividend or
            other right or property with respect thereto or with respect to a
            Restricted Stock Right), which restrictions may lapse separately or
            in combination at such time or times, in such installments or
            otherwise as the Committee may deem appropriate.

     (ii)   Stock Certificates. Any Restricted Stock granted under the Plan
            shall be evidenced by issuance of a stock certificate or
            certificates, which certificate or certificates shall be held by the
            Company or a custodian acting on behalf of the Company, or, if
            determined by the Committee and consistent with the rules of the
            Nasdaq National Market or any securities exchange on which the
            Shares are listed or admitted to trading, any Restricted Stock
            granted under the Plan may be evidenced by recording the issuance of
            the same in the books and records of the Company. Such certificate
            or certificates shall be registered in the name of the Participant
            and shall bear an appropriate legend referring to the terms,
            conditions and restrictions applicable to such Restricted Stock. In
            the case of Restricted Stock Rights, no Shares shall be issued at
            the time such Awards are granted.

     (iii)  Forfeiture; Delivery of Shares. Except as otherwise determined by
            the Committee, upon a Participant's termination of employment (as
            determined by or under criteria established by the

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            Committee) with the Company or its Affiliates during the applicable
            restriction period, all Shares of Restricted Stock and all
            Restricted Stock Rights shall be forfeited and reacquired by the
            Company; provided, however, that the Committee may, when it finds
            that a waiver would be in the best interest of the Company, waive in
            whole or in part any or all remaining restrictions with respect to
            Shares of Restricted Stock or Restricted Stock Rights. Any Share of
            Restricted Stock that is no longer subject to restrictions shall be
            delivered to the holder thereof promptly after the applicable
            restrictions lapse or are waived. Upon the lapse or waiver of
            restrictions and the restricted period relating to Restricted Stock
            Rights evidencing the right to receive Shares, such Shares shall be
            issued and delivered to the holders of the Restricted Stock Rights,
            subject to the provisions of the Plan and any applicable Award
            Agreement.

(d)  Performance Awards. The Committee is hereby authorized to grant Performance
     Awards to Participants subject to the terms of the Plan and any applicable
     Award Agreement. A Performance Award granted under the Plan (i) may be
     denominated or payable in cash, Shares (including, without limitation,
     Restricted Stock and Restricted Stock Rights), other securities, other
     Awards or other property and (ii) shall confer on the holder thereof the
     right to receive payments, in whole or in part, upon the achievement of
     such performance goals during such performance periods as the Committee
     shall establish. Subject to the terms of the Plan and any applicable Award
     Agreement, the performance goals to be achieved during any performance
     period, the length of any performance period, the amount of any Performance
     Award granted, the amount of any payment or transfer to be made pursuant to
     any Performance Award, and any other terms and conditions of any
     Performance Award shall be determined by the Committee.

(e)  Dividend Equivalents. The Committee is hereby authorized to grant to
     Participants Dividend Equivalents under which such Participants shall be
     entitled to receive payments (in cash, Shares, other securities, other
     Awards or other property as determined in the discretion of the Committee)
     equivalent to the amount of cash dividends paid by the Company to holders
     of Common Stock of the Company with respect to a number of Shares
     determined by the Committee. Subject to the terms of the Plan and any
     applicable Award Agreement, such Dividend Equivalents may have such terms
     and conditions as the Committee shall determine.

(f)  Other Stock-Based Awards. The Committee is hereby authorized to grant to
     Participants such other Awards that are denominated or payable in, valued
     in whole or in part by reference to, or otherwise based on or related to,
     Shares (including, without limitation, securities convertible into Shares),
     as are deemed by the Committee to be consistent with the purpose of the
     Plan; provided, however, that such grants must comply with applicable law.
     Subject to the terms of the Plan and any applicable Award Agreement, the
     Committee shall determine the terms and conditions of such Awards. Shares
     or other securities delivered pursuant to a purchase right granted under
     this Section 6(f) shall be purchased for such consideration, which may be
     paid by such method or methods and in such form or forms (including,
     without limitation, cash, Shares, promissory notes, other securities, other
     Awards or other property or any combination thereof), as the Committee
     shall determine, the value of which

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     consideration shall not be less than 100% of the Fair Market Value of such
     Shares or other securities as of the date such purchase right is granted,
     provided that the value of such Shares or other securities may be set below
     Fair Market Value by an amount determined necessary or appropriate by the
     Committee to satisfy applicable requirements of law or government
     regulation.

(g)  General.

     (i)    No Cash Consideration for Awards. Awards may be granted for no cash
            consideration or for such minimal cash consideration as may be
            required by applicable law or may be granted for such cash
            consideration as the Committee may determine in its discretion.

     (ii)   Awards May Be Granted Separately or Together. Awards may, in the
            discretion of the Committee, be granted either alone or in addition
            to, in tandem with, or in substitution for any other Award or any
            award granted under any plan of the Company or any of its Affiliates
            other than the Plan. Awards granted in addition to or in tandem with
            other Awards or in addition to or in tandem with awards granted
            under any such other plan of the Company or any of its Affiliates
            may be granted either at the same time as or at a different time
            from the grant of such other Awards or awards.

     (iii)  Forms of Payments Under Awards. Subject to the terms of the Plan and
            of any applicable Award Agreement, payments or transfers to be made
            by the Company or an Affiliate upon the grant, exercise or payment
            of an Award may be made in such form or forms as the Committee shall
            determine (including, without limitation, cash, Shares, promissory
            notes, other securities, other Awards or other property, or any
            combination thereof), and may be made in a single payment or
            transfer, in installments or on a deferred basis, in each case in
            accordance with rules and procedures established by the Committee.
            Such rules and procedures may include, without limitation,
            provisions for the payment or crediting of reasonable interest on
            installment or deferred payments or the grant or crediting of
            Dividend Equivalents with respect to installment or deferred
            payments.

     (iv)   Limits on Transfer of Awards. No Award and no right under any such
            Award shall be transferable by a Participant otherwise than by will
            or by the laws of descent and distribution; provided, however, that
            if so determined by the Committee, a Participant may, in the manner
            established by the Committee, designate a beneficiary or
            beneficiaries to exercise the rights of the Participant and receive
            any property distributable with respect to any Award upon the death
            of the Participant. Notwithstanding the preceding sentence, if so
            determined by the Committee, an Option may be transferred by a
            Participant to any "Family Member" (as such term is defined in the
            General Instructions to Form S-8 (or any successor to such
            Instructions or Form)) of that Participant in a manner established
            by the Committee, provided that such transfer is not for value
            (i.e., the Participant making the transfer may not receive any
            consideration therefor). Any Family Member to whom an Option is
            transferred in accordance with the preceding sentence shall not make
            any subsequent transfer of such Option or any right thereunder
            otherwise than by will or the laws of descent and distribution;
            provided, however,

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          that if so determined by the Committee, such Family Member may, in the
          manner established by the Committee, designate a beneficiary or
          beneficiaries to exercise the rights of such Family Member under the
          Option and receive any property distributable with respect thereto
          upon the death of such Family Member. Each Award or right under any
          Award shall be exercisable during the Participant's lifetime only by
          the Participant, or if permissible under applicable law, by the
          Participant's guardian or legal representative, excepting an Option
          that has been transferred to a Family Member in accordance with the
          foregoing provisions, in which event the Option and any rights
          thereunder may be exercisable during such Family Member's lifetime
          only by such Family Member or, if permissible under applicable law, by
          the Family Member's guardian or legal representative. Except as
          provided in this clause (iv), no Award or right under any such Award
          may be pledged, alienated, attached or otherwise encumbered, and any
          purported pledge, alienation, attachment or encumbrance thereof shall
          be void and unenforceable against the Company or any of its
          Affiliates.

     (v)  Term of Awards. Subject to the terms of the Plan, the term of each
          Award shall be for such period as may be determined by the Committee.

     (vi) Restrictions; Securities Exchange Listing. All Shares or other
          securities delivered under the Plan pursuant to any Award or the
          exercise thereof shall be subject to such restrictions as the
          Committee may deem advisable under the Plan, applicable securities
          laws, rules or regulations, and other regulatory requirements, and the
          Committee may cause appropriate entries to be made or legends to be
          placed on the certificates for such Shares or other securities to
          reflect such restrictions. If the Shares or other securities are
          traded on the Nasdaq National Market or a securities exchange, the
          Company shall not be required to deliver any Shares or other
          securities covered by an Award unless and until such Shares or other
          securities have been admitted for trading on the Nasdaq National
          Market or such securities exchange.

Section 7. Amendment and Termination; Adjustments.

(a)  Amendments to the Plan. Subject to the provisions of Section 7(c), the
     Board of Directors may amend, alter, suspend, discontinue or terminate the
     Plan; provided, however, that, notwithstanding any other provision of the
     Plan or any Award Agreement, prior approval of the stockholders of the
     Company shall be required for any amendment to the Plan that requires
     stockholder approval under the rules or regulations of the Nasdaq National
     Market or any securities exchange that are applicable to the Company.

(b)  Waivers. Subject to the provisions of the Plan, the Committee may waive any
     conditions of or rights of the Company under any outstanding award,
     prospectively or retroactively.

(c)  Limitations on Amendments. Neither the Board nor the Committee may amend,
     alter, suspend, discontinue or terminate any outstanding Award,
     prospectively or retroactively, that would have an adverse effect on the
     rights of the Participant with respect to such Award, without the consent
     of the

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     Participant or holder or beneficiary thereof, except as otherwise provided
     herein or in the Award Agreement.

(d)  Correction of Defects, Omissions and Inconsistencies. The Committee may
     correct any defect, supply any omission or reconcile any inconsistency in
     the Plan or any Award or Award Agreement in the manner and to the extent it
     shall deem desirable to carry the Plan into effect.

Section 8. Income Tax Withholding.

In order to comply with all applicable income tax laws or regulations, the
Committee may establish such policy or policies as it deems appropriate with
respect to such laws and regulations, including without limitation the
establishment of policies to ensure that all applicable payroll, withholding,
income or other taxes, which are the sole and absolute responsibility of a
Participant, are withheld or collected from such Participant. In order to assist
a Participant in paying all or a portion of the taxes to be withheld or
collected upon exercise or receipt of (or the lapse of restrictions relating to)
an Award, the Committee, in its discretion and subject to such additional terms
and conditions as it may adopt, may permit the Participant to satisfy such tax
obligation by (a) electing to have the Company withhold a portion of the payment
or transfer otherwise to be made upon exercise or receipt of (or the lapse of
restrictions relating to) such Award with a Fair Market Value equal to the
amount of such taxes or (b) delivering to the Company Shares or other property
other than Shares issuable upon exercise or receipt of (or the lapse of
restrictions relating to) such Award with a Fair Market Value equal to the
amount of such taxes. The election, if any, must be made on or before the date
that the amount of tax to be withheld is determined.

Section 9. General Provisions.

(a)  No Rights to Awards. No Eligible Person, Participant or other Person shall
     have any claim to be granted any Award under the Plan, and there is no
     obligation for uniformity of treatment of Eligible Persons, Participants or
     holders or beneficiaries of Awards under the Plan. The terms and conditions
     of Awards need not be the same with respect to any Participant or with
     respect to different Participants.

(b)  Award Agreements. No Participant will have rights under an Award granted to
     such Participant unless and until an Award Agreement shall have been duly
     executed on behalf of the Company and, if requested by the Company, signed
     by the Participant and delivered to the Company.

(c)  No Limit on Other Compensation Arrangements. Nothing contained in the Plan
     shall prevent the Company or any of its Affiliates from adopting or
     continuing in effect other or additional compensation plans or
     arrangements, and such arrangements may be either generally applicable or
     applicable only in specific cases.

(d)  No Right to Employment. The grant of an Award shall not be construed as
     giving a Participant the right to be retained in the employ of the Company
     or any of its Affiliates, nor will it affect in any way the right of the
     Company or any of its Affiliates to terminate the employment of any
     Participant in its or their employ at any time, with or without cause. In
     addition, the Company or any of its Affiliates may at

                                    Page 10
<PAGE>

     any time dismiss a Participant in its or their employ from employment free
     from any liability or any claim under the Plan, unless otherwise expressly
     provided in the Plan or in any Award Agreement.

(e)  Governing Law. The validity, construction and effect of the Plan, any Award
     Agreement or any Award, and any rules and regulations relating to the Plan,
     any Award Agreement or any Award, shall be determined in accordance with
     the laws of the State of Delaware which shall be the proper law thereof
     notwithstanding any rules regarding conflict of laws therein contained
     under which any other law would be made applicable.

(f)  Severability. If any provision of the Plan, any Award Agreement or any
     Award is or becomes or is deemed to be invalid, illegal or unenforceable in
     any jurisdiction or would disqualify the Plan, any Award Agreement or any
     Award under any law deemed applicable by the Committee, then

     (i)   such provision shall be construed or deemed amended to conform to
           applicable laws, or

     (ii)  if it cannot be so construed or deemed amended without, in the
           determination of the Committee, materially altering the purpose or
           intent of the Plan, the Award Agreement or the Award, such provision
           shall be stricken,

     but only as to each jurisdiction, Award Agreement and Award so affected,
     and the Plan, as well as each Award Agreement and Award so affected, shall
     otherwise remain in full force and effect in accordance with its original
     terms.

(g)  No Trust or Fund Created. Neither the Plan nor any Award shall create or be
     construed to create a trust or separate fund of any kind or a fiduciary
     relationship between the Company or any of its Affiliates and a Participant
     or any other Person. To the extent that any Person acquires a right to
     receive payments from the Company or any of its Affiliates pursuant to an
     Award, such right shall be no greater than the right of any unsecured
     general creditor of the Company or any such Affiliate.

(h)  No Fractional Shares. No fractional Shares shall be issued or delivered
     pursuant to the Plan or any Award, and the Committee shall determine
     whether cash shall be paid in lieu of any fractional Share or whether such
     fractional Share or any rights thereto shall be canceled, terminated or
     otherwise eliminated.

(i)  Headings. Headings are given to the sections and subsections of the Plan
     solely as a convenience to facilitate reference. Such headings shall not be
     deemed in any way material or relevant to the construction or
     interpretation of the Plan or any provision thereof.

(j)  Other Benefits. No compensation or benefit awarded to or realized by any
     Participant in the employ of the Company or any of its Affiliates under the
     Plan shall be included for the purpose of computing such Participant's
     compensation under any compensation-based retirement, disability or similar
     plan of the Company or any of its Affiliates unless required by law or
     otherwise provided by such other plan.

                                    Page 11
<PAGE>

Section 10. Effective Date of the Plan.

The Plan shall be approved by the Board of Directors of the Company and shall be
effective as of April 17, 2000, subject to the approval of the stockholder or
stockholders of the Company, which approval may be satisfied by the approval of
Deluxe Corporation, as the sole stockholder of the Company, for purposes of
satisfying the requirements of the Nasdaq National Market.

Section 11. Term of the Plan.

The Plan shall continue in effect until it is discontinued or terminated as
provided in Section 7. No Award shall be granted after the termination of this
Plan. However, unless otherwise expressly provided in this Plan or in an
applicable Award Agreement, any Award theretofore granted may extend beyond the
termination of this Plan, and the authority of the Committee provided for
hereunder with respect to this Plan and any Awards, and the authority of the
Board to amend this Plan, shall extend beyond the termination of this Plan.

                                    Page 12<PAGE>

                                                                   Exhibit 10.27

                              eFUNDS CORPORATION
                             ANNUAL INCENTIVE PLAN
                        (as adopted February 16, 2001)

     1.   Establishment.  On February 16, 2001 the Board of Directors of eFunds
Corporation approved an incentive plan for executives as described herein, which
plan shall be known as the "eFunds Corporation Annual Incentive Plan."  This
Plan shall be submitted for approval by the stockholders of eFunds Corporation
at the 2001 Annual Meeting of Stockholders.  This Plan shall be effective as of
January 1, 2001, subject to its approval by the stockholders, and no benefits
shall be issued pursuant hereto unless and until after this Plan has been so
approved.

     2.   Purpose.  The purpose of this Plan is to advance the interests of
eFunds Corporation and its stockholders by attracting and retaining key
employees and by stimulating the efforts of such employees to contribute to the
continued success and growth of the business of the Company. This Plan is
further intended to provide employees with an opportunity to increase their
ownership of eFunds' common stock and to thereby increase their personal
interest in the long-term success of the Company in a manner designed to
increase stockholder value.

     3.   Definitions.  When the following terms are used herein with initial
capital letters, they shall have the following meanings:

     3.1. Achievement Percentage - a percentage (or a range of percentages),
which may be greater or less than 100%, that will result from the Company's
performance against each Performance Factor set for a Participant during a
Performance Period.  Such percentages shall be determined by the Committee with
respect to each Performance Factor applicable to a Participant in a given
Performance Period.  Following the conclusion of the Performance Period, the
Committee shall determine the Achievement Percentage for each Performance Factor
based on the performance of the Company for that Period.

     3.2. Base Salary - The amount of base salary received by a Participant
during a Performance Period, as determined by the Committee.  In the discretion
of the Committee, a Participant's base salary may be annualized or set at the
Participant's base salary as of the last day of the Performance Period.

     3.3.   Committee - a Committee of the Board of Directors of eFunds
designated by such Board to administer this Plan.  The Committee shall consist
of members of the Board of Directors of eFunds appointed from time to time by
the Board of Directors and shall be composed of not fewer than such number of
directors as shall be required to permit grants and awards made under this Plan
to satisfy the requirements of Rule 16b-3 promulgated by the Securities and
Exchange Commission under the Securities Exchange Act of 1934 (the "1934 Act"),
as amended, or any successor rule or regulation ("Rule 16b-3").  Each member of
the Committee shall be a "Non-Employee Director" within the meaning of Rule 16b-
3 and an "outside director" within the meaning of Section 162(m) of the Code.

     3.4. Code - the Internal Revenue Code of 1986, as it may be amended from
time to time, and any proposed, temporary or final Treasury Regulations
promulgated thereunder.

     3.5. Common Stock - the common stock, par value $.01 per share, of eFunds.

     3.6. Company - eFunds Corporation, a Delaware corporation, together with
its subsidiaries or affiliates, whether now or hereafter established.
<PAGE>

     3.7       eFunds - eFunds Corporation, a Delaware corporation

     3.8.      Executives - all Participants for a given Performance Period
designated by the Committee as "Executives" for purposes of this Plan.  The
Committee shall designate as Executives all Participants it reasonably believes
may be "named executive officers" under Rule 402 promulgated under the 1934 Act
for that Performance Period.

     3.9.      Other Participants - all Participants for a given Performance
Period who are not designated as "Executives" by the Committee for such
Performance Period.

     3.10.     Participants - any management or highly compensated employees of
the Company who are designated by the Committee as Participants in this Plan.
Directors of the Company who are not also employees of the Company are not
eligible to participate in this Plan. Participants shall be designated as either
Executives or Other Participants by the Committee as provided in Section 4.3
below.

     3.11.     Performance Factor - the performance goals selected by the
Committee for each Participant with respect to each Performance Period. The
performance goals selected by the Committee for Executives shall be based solely
upon the attainment of one or more objective performance criteria selected by
the Committee in connection with the grant of an award hereunder. In the case of
Other Participants, such performance goals need not be objective and may be
based on such business criteria as the Committee may determine to be appropriate
and may include financial and nonfinancial performance goals that are linked to
such individual's business unit, the Company as a whole or to such individual's
areas of responsibility. The objective performance goals for Executives shall be
based solely on one or more of the following business criteria, which may apply
to the individual in question, an identifiable business unit or the Company as a
whole, and on an annual or other periodic or cumulative basis: sales or
revenues, cost of sales, margins, income (including operating income), selling,
general and administrative expense levels, other income (expense), effective tax
rates, current ratios or other measures of liquidity, capital expenditures,
transaction volumes or hours billed, system availability rates, cash flow, stock
price, market share, earnings (on either a net or per share basis), earnings
before any one or more of the following: (i) interest expense and/or income,
(ii) taxes, (iii) depreciation and (iv) amortization, return on equity or costs,
return on invested or average capital employed, cumulative total return to
stockholders (in each case, whether compared to pre-selected peer groups or
not). In evaluating the performance of the Company against such criteria, the
Committee shall have the discretion to adjust the Company's reported results to
eliminate or include the effect of acquisitions, dispositions, special charges
or other one-time or non-recurring items.

     3.12.     Performance Period - each consecutive twelve-month period
commencing on January 1 of each year during the term of this Plan.

     3.13.     Plan - this eFunds Corporation  Annual Incentive Plan.

     3.14.     Stock Incentive Plan - The eFunds Corporation 2000 Stock
Incentive Plan, as the same may be amended from time to time.

     3.15.     Target Award - a dollar amount, typically expressed as a
percentage of a Participant's Base Salary, which percentage may be greater or
less than 100%, determined by the Committee with respect to each Participant for
each Performance Period.

     3.16.     Restricted Stock Rights - Restricted Stock Rights, as defined in
the Stock Incentive Plan.

                                       2
<PAGE>

     4.   Administration.

     4.1. Power and Authority of Committee.  This Plan shall be administered by
the Committee. The Committee shall have full power and authority, subject to all
the applicable provisions of this Plan and applicable law, to (a) establish,
amend, suspend or waive such rules and regulations and appoint such agents as it
deems necessary or advisable for the proper administration of this Plan, (b)
construe, interpret and administer this Plan and any instrument or agreement
relating to this Plan, (c) determine, from time to time, whether shares of
Common Stock and/or Restricted Stock Rights will be made available to a
Participant in this Plan and (d) make all other determinations and take all
other actions necessary or advisable for the administration of this Plan.
Unless otherwise expressly provided in this Plan, each determination made and
each action taken by the Committee pursuant to this Plan or any instrument or
agreement relating to this Plan shall be (x) within the sole discretion of the
Committee, (y) may be made at any time and (z) shall be final, binding and
conclusive for all purposes on all persons, including, but not limited to,
Participants and their legal representatives and beneficiaries, and employees of
the Company.

     4.2  Delegation.  The Committee may delegate its powers and duties under
this Plan to one or more officers of the Company or a committee of such
officers, subject to such terms, conditions and limitations as the Committee may
establish in its sole discretion; provided, however, that the Committee shall
                                  --------  -------
not delegate its power (a) to make determinations regarding officers or
directors of the Company who are subject to Section 16 of the 1934 Act or (b) in
such a manner as would cause this Plan not to comply with the provisions of
Section 162(m) of the Code.

     4.3. Determinations made prior to each Performance Period. On or before the
90th day of each Performance Period, the Committee shall:

          (a)  designate all Participants (including designation as Executives
or Other Participants) for such Performance Period;

          (b)  establish a Target Award for each Participant and the portions of
that Target Award related to each Performance Factor applicable to that
Participant; and

          (c)  for each Performance Factor, determine the Achievement Percentage
or range of Achievement Percentages that will result from the performance of the
Company against each Performance Factor.

     For example, the Committee may establish a Target Award equal to 50% of a
Participant's Base Salary, with one-half of such Award dependant upon a
Performance Factor related to the Company's revenues during the Performance
Period and one-half dependant upon a Performance Factor related to the Company's
earnings for such Period.  The Committee would then establish Achievement
Percentages for each of the Performance Factors based on the Company's revenues
and earnings for the Performance Period (i.e. 0% if the Company's revenues did
not exceed $X, 100% if the Company's revenues exceeded $Y and 150% if the
Company's revenues exceeded $Z).

     4.4. Certification.  Following the close of each Performance Period and
prior to payment of any amount to any Participant under this Plan, the Committee
must certify which of the applicable Performance Factors for that Performance
Period were achieved and determine the appropriate Achievement Percentage for
each such Factor.  The Committee must also certify

                                       3
<PAGE>

as to the attainment of all other factors upon which any payments to a
Participant for that Performance Period are to be based.

     4.5.  Stockholder Approval.  The material terms of this Plan shall be
disclosed to and approved by stockholders of the Company in accordance with
Section 162(m) of the Code.  No amount shall be paid to any Participant under
this Plan unless such stockholder approval has been obtained.

     5.    Incentive Payment.

     5.1.  Formula.  Subject to Section 5.2, each Participant shall receive an
incentive payment for each Performance Period in an amount not greater than the
sum of each portion of the Target Award related to a Performance Factor that was
achieved in the Performance Period, with each Performance Factor that was
achieved being multiplied by the relevant Achievement Percentage.

     For example, in the example described in Section 4.3, if the Company
achieved revenues of $Y during the Performance Period but did not make the
minimum earnings target, the Participant would receive an incentive payment
equal to 50% of his or her Target Award, or 25% of his or her Base Salary.

     5.2.  Limitations.

           (a)  Discretionary Increase or Reduction.  The Committee shall retain
sole and absolute discretion to increase or reduce the amount of any incentive
payment otherwise payable to any Participant under this Plan; provided, however,
that the Committee may not increase the payment to any Executive for any
Performance Period.

           (b)  Continued Employment. Except as otherwise provided by the
Committee, no incentive payment under this Plan shall be paid or owed to a
Participant whose employment terminates prior to the earlier to occur of (i) the
date of payment of the relevant award or (ii) the 90th day following the close
of the relevant Performance Period.

           (c)  Maximum Payments. No Participant shall receive a payment under
this Plan for any Performance Period in excess of $2.0 million (including the
amount of any premium received by reason of an election made pursuant to Section
6.1).

     6.    Benefit Payments.

     6.1.  Time and Form of Payments.  The Committee may elect to allow
Participants to receive all or part of any benefits which may be paid to them
under this Plan in the form of Common Stock or Restricted Stock Rights.  If no
such election is made, all benefits payable under this Plan shall be paid in
cash.  If this option is made available to one or more Participants, prior to a
date specified by the Committee but in no event later than the 90th day of a
Performance Period, each eligible Participant shall elect whether to receive any
benefits which may be paid to them under this Plan in respect of such
Performance Period in cash or in the form of shares of Common Stock or
Restricted Stock Rights (whichever is made available by the Committee to such
Participant in the Committee's sole discretion), or any combination thereof.
Participants who are to receive some percentage of their incentive payment in
the form of cash shall be entitled to elect to defer such receipt in accordance
with the terms of any deferred compensation plan in effect at the time and
applicable to such cash payment.  In the event a Participant is to receive some
percentage of their incentive payment in the form of cash, such cash incentive
shall, subject to any deferred compensation election, be paid as soon as
administratively feasible after the Committee has made the certifications
provided for in Section 4.4 above and determined the amount of such
Participant's incentive payment payable under this

                                       4
<PAGE>

Plan. In the event that an eligible Participant chooses to receive a portion of
their incentive payment in the form of shares of Common Stock or Restricted
Stock Rights in lieu of cash (with the amount of cash so foregone being herein
referred to as the "Share Dollar Amount"), the Participant shall be entitled to
receive shares of Common Stock or Restricted Stock Rights, or a combination
thereof (whichever option is made available by the Committee), having a fair
market value on the date of issuance (as determined in accordance with the terms
of the Stock Incentive Plan) of up to 125% of the Share Dollar Amount, with the
amount of any such premium being determined by the Committee. Any such shares or
Restricted Stock Rights shall be issued or awarded under the Stock Incentive
Plan promptly after the Committee has made the certifications provided for in
Section 4.4 above and otherwise determined the amount of the Participant's
incentive payment payable under this Plan.

     In the event an eligible Participant elects to receive some percentage of
their incentive payment in the form of shares of Common Stock or Restricted
Stock Rights, such shares or Restricted Stock Rights may be made subject to such
forfeiture rights, vesting requirements and  transfer restrictions as may be
established by the Committee in the exercise of its sole discretion.  Shares and
Restricted Stock Rights issued pursuant to this Plan shall not be counted
towards the 1,000,000-share award limitation provided for in Section 4(d) of the
Stock Incentive Plan.

     6.2.  Nontransferability.  Except as otherwise determined by the Committee,
no right to any incentive payment hereunder, whether payable in cash or other
property, shall be transferable by a Participant otherwise than by will or by
the laws of descent and distribution; provided however, that if so determined by
                                      -------- -------
the Committee, a Participant may, in the manner established by the Committee
designate a beneficiary or beneficiaries to receive any cash or property payable
to such Participant hereunder following the death of the Participant.  No right
to any incentive payment hereunder may be pledged, alienated, attached or
otherwise encumbered, and any purported pledge, alienation, attachment or
encumbrance thereof shall be void and unenforceable against the Company.

     6.3.  Tax Withholding.  In order to comply with all applicable federal or
state income, social security, payroll, withholding or other tax laws or
regulations, the Committee may establish such policy or policies as it deems
appropriate with respect to such laws and regulations, including without
limitation, the establishment of policies to ensure that all applicable federal
or state income, social security, payroll, withholding or other taxes, which are
the sole and absolute responsibility of the Participant, are withheld or
collected from such Participant. In order to assist a Participant in paying all
or part of the federal and state taxes to be withheld or collected upon receipt
or payment of (or the lapse of restrictions relating to) an incentive payment
payable hereunder, the Committee, in its sole discretion and subject to such
additional terms and conditions as it may adopt, may permit the Participant to
satisfy such tax obligation by (a) electing to have the Company withhold a
portion of the shares of Common Stock otherwise to be delivered upon payment of
(or the lapse of restrictions relating to) an incentive payment hereunder with a
fair market value equal to the amount of such taxes or (b) delivering to the
Company shares of Common Stock with a fair market value equal to the amount of
such taxes.

     7.    Amendment and Termination; Adjustments. Except to the extent
prohibited by applicable law and unless otherwise expressly provided in this
Plan:

           (a)  Amendments to this Plan. The Board of Directors of the Company
may amend, alter, suspend, discontinue or terminate this Plan, without the
approval of the stockholders of the Company, except that no such amendment,
alteration, suspension, discontinuation or termination shall be made that,
absent such approval, would violate the rules or regulations of the National
Association of Securities Dealers, Inc. or any securities exchange that are
applicable to the Company.

                                       5
<PAGE>

           (b)  Waivers of Incentive Payment Conditions or Rights. The Committee
may waive any conditions or rights of the Company with respect to any incentive
payment hereunder, prospectively or retroactively.

           (c)  Limitation on Amendments to Incentive Payment Rights. Neither
the Committee nor the Company may amend, alter, suspend, discontinue or
terminate any rights of any Participant to an incentive payment without the
consent of such Participant (or such Participant's beneficiaries), except as
otherwise herein provided.

           (d)  Correction of Defects, Omissions and Inconsistencies. The
Committee may correct any defect, supply any omission or reconcile any
inconsistency in this Plan in the manner and to the extent it shall deem
desirable to carry this Plan into effect.

     8.    Miscellaneous.

     8.1.  Effective Date. This Plan shall be deemed effective, subject to
stockholder approval, as of January 1, 2001.

     8.2.  Term of this Plan.  Unless this Plan shall have been discontinued or
terminated, this Plan shall terminate on December 31, 2005.  No right to receive
an incentive payment shall be granted after the termination of this Plan.
However, unless otherwise expressly provided in this Plan, any right to receive
an incentive payment theretofore granted may extend beyond the termination of
this Plan, and the authority of the Board of Directors and the Committee to
amend or otherwise administer this Plan shall extend beyond the termination of
this Plan.

     8.3.  Headings.  Headings are given to the Sections and subsections of this
Plan solely as a convenience to facilitate reference.  Such headings shall not
be deemed in any way material or relevant to the construction or interpretation
of this Plan or any provision thereof.

     8.4.  Applicability to Successors.  This Plan shall be binding upon and
inure to the benefit of the Company and each Participant, the successors and
assigns of the Company, and the beneficiaries, personal representatives and
heirs of each Participant.  If the Company becomes a party to any merger,
consolidation or reorganization, this Plan shall remain in full force and effect
as an obligation of the Company or its successors in interest (except to the
extent modified by the terms of the Stock Incentive Plan with respect to any
shares of Common Stock or Restricted Stock Rights issued under Section 6.1
hereof).

     8.5.  Employment Rights and Other Benefit Programs.  The provisions of this
Plan shall not give any Participant any right to be retained in the employment
of the Company. In the absence of any specific written agreement to the
contrary, this Plan shall not affect any right of the Company to terminate, with
or without cause, any Participant's employment at any time.  This Plan shall not
replace any contract of employment between the Company and any Participant, but
shall be considered a supplement thereto.  This Plan is in addition to, and not
in lieu of, any other employee benefit plan or program in which any Participant
may be or become eligible to participate by reason of employment with the
Company.  No compensation or benefit awarded to or realized by any Participant
under this Plan shall be included for the purpose of computing such
Participant's compensation under any compensation-based retirement, disability,
or similar plan of the Company unless required by law or otherwise provided by
such other plan.

     8.6.  No Trust or Fund Created.  This Plan shall not create or be construed
to create a trust or separate fund of any kind or a fiduciary relationship
between the Company and a Participant or any other person.  To the extent that
any person acquires a right to receive payments from the Company pursuant to
this Plan, such right shall be no greater than the right of any unsecured
general creditor of the Company.

                                       6
<PAGE>

     8.7.  Governing Law.  The validity, construction and effect of this Plan or
any incentive payment payable under this Plan shall be determined in accordance
with the laws of the State of Delaware.

     8.8.  Severability.  If any provision of this Plan is or becomes or is
deemed to be invalid, illegal or unenforceable in any jurisdiction such
provision shall be construed or deemed amended to conform to applicable laws, or
if it cannot be so construed or deemed amended without, in the determination of
the Committee, materially altering the purpose or intent of this Plan, such
provision shall be stricken as to such jurisdiction, and the remainder of this
Plan shall remain in full force and effect.

     8.9.  Qualified Performance-Based Compensation.  All of the terms and
conditions of this Plan shall be interpreted in such a fashion as to qualify all
compensation paid hereunder as "qualified performance-based compensation" within
the meaning of Section 162(m) of the Code.

                                       7

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