EXHIBIT 10.1




                            U.S. WIRELESS DATA, Inc.
                             NOTE PAYABLE EXTENTION


This  agreement  is entered  into and agreed upon as of January 1, 1999  between
U.S.  Wireless  Data,  Inc.  ("USWD"),  and John Liviakis of Liviakis  Financial
Communications, Inc.

WHEREAS, John Liviakis has provided provide bridge financing to USWD under Notes
Payable of $1,300,000  dated  September 22, 1998,  $150,000  dated  November 27,
1998, and $150,000 dated December 14, 1998.

THEREFORE, John Liviakis agrees to:

1) Extend the due date of the three Notes Payable to February 1, 1999.


2)       All other terms of the Notes  Payable  remain in effect as specified in
         each of the Note Payable agreements.



U.S. Wireless Data, Inc.               Liviakis Financial Communications, Inc.
/s/ Robert E. Robichaud                /s/ John Liviakis
- -----------------------                -----------------
By Robert E. Robichaud                 By John Liviakis
Chief Financial Officer                President