FiCentive, Inc. Signs Exclusive Agreement with SwipePay Mobile Inc. to Provide MasterCard(R) Prepaid and Gift Cards.

SAN ANTONIO -- FiCentive, Inc. (OTC BB: PYDS) a turn-key prepaid card solutions provider, announced today that it has signed an agreement with SwipePay Mobile, Inc. to deliver a SwipePay Mobile MasterCard([R]) Prepaid and MasterCard([R]) Gift Card to their thousands of mobile customers.

SwipePay Mobile, Inc. is an innovator in the mobile payments space. In addition to providing prepaid mobile "topup" of a customer's airtime minutes directly from the mobile device, their product offering consists of other value-added payments services designed for the unbanked subscriber which include P2P payments. SwipePay works with mobile operators, mobile publishers and premium messaging aggregators so their customers have the power to make secure mobile payments without ever needing a physical banking presence or traditional Internet connection. "This is a way for mobile operators to save money on prepaid related expenses, while maximizing their data and voice revenue within their existing customer case," according to Chris Wuhrer, CEO of SwipePay Mobile.

Louis Hoch, FiCentive's President and CEO said, "We are very pleased to be able to partner with such a leader in the rapidly evolving and growing mobile payments space. By virtue of SwipePay's success in the mobile payments market we are excited about the program and being able to serve as the exclusive card provider to SwipePay. The card program will utilize FiCentive's ability to issue card numbers in a virtual environment using Virtual MasterCard cards with the option for the cardholder to request a personalized card. We anticipate the program will be available to SwipePay Mobile customers on or about December 1, 2008."

Chris Wuhrer, SwipePay Mobile's CEO said, "We believe we have found a perfect partner in FiCentive in that they provide a blending of our mutually unique technologies which places us in a perfect position to continue our leadership in the m-payments marketplace."

About FiCentive, Inc.

FiCentive, Inc. is a turn-key prepaid card solutions provider that quickly and securely delivers customized prepaid card programs for corporations, financial institutions, affinity groups or any organization that needs to deliver a financial incentive to their customers, vendors, or employees. With the global prepaid market to be more than 6.5 trillion dollars, FiCentive is well positioned to capture its share.

For more information about FiCentive, please visit www.ficentive.com or email info@ficentive.com.

FiCentive is a wholly owned subsidiary of Payment Data Systems, Inc.

For additional information, visit www.paymentdata.com. Contact Michael Long for Investor Relations information at 210-249-4040 or email at ir@paymentdata.com.

SwipePay Mobile Inc.

As the emerging leader in m-payments, SwipePay Mobile is changing the prepaid mobile paradigm with the next generation in mobile prepaid payments. Harnessing the power of their global payment infrastructure, SwipePay has set out to breakdown the payment barriers across operators with goals to unify the global prepaid marketplace reload infrastructure, reduce carrier operational costs, and add convenience to the reload process for all prepaid mobile subscribers.

The company, founded in 2005, is headquartered in Alexandria, Virginia and has offices in Seattle, Washington. For more information, visit www.swipepaymobile.com.

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This document contains forward-looking statements that involve risks and uncertainties. You should not place undue reliance on these forward-looking statements. Our actual results could differ materially from those anticipated in the forward-looking statements for many reasons, including the risks described in our annual report on Form 10-K and other reports we file with the Securities and Exchange Commission. Although we believe the expectations reflected in the forward-looking statements are reasonable, they relate only to events as of the date on which the statements are made. We do not intend to update any of the forward-looking statements after the date of this report to conform these statements to actual results or to changes in our expectations, except as required by law.

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