EXHIBIT 23


                       CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 (No. 333-82369) of S1 Corporation of our report dated
June 7, 2002 relating to the financial statements of the S1 Corporation 401(k)
Savings Plan, which appears in this Form 11-K.




PricewaterhouseCoopers LLP
Atlanta, GA
June 28, 2002