EXHIBIT 10.3


                            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 Chuck Burtzloff.

WHEREAS,  Chuck Burtzloff has provided  provide bridge financing to USWD under a
Notes Payable for $500,000 dated October 28, 1998.

THEREFORE, Chuck Burtzloff agrees to:

1)       Extend the due date of the Note Payable to March 1, 1999.


2)       All other terms of the Note  Payable  remain in effect as  specified in
         the Note Payable agreement.



U.S. Wireless Data, Inc.

/s/ Robert E. Robichaud                     /s/ Chuck Burtzloff
- -------------------------                   ---------------------
By Robert E. Robichaud                      By Chuck Burtzloff
Chief Financial Officer