PAYMENT AGREEMENT

<PAGE>

                                                                 EXHIBIT 10.20.3

                                PAYMENT AGREEMENT

     THIS AGREEMENT ("Agreement") is effective this 4th day of August, 2005, and

is made by and between Epixtar International Contact Center Group, Inc.

("Epixtar") and DDM Consulting, Inc. ("DDM").

WHEREAS, Epixtar and DDM entered into a Consultant Services Agreement dated

November 29, 2004, pursuant to which Epixtar is to pay DDM a commission on

certain clients introduced to Epixtar by DDM and accepted by Epixtar as its

client;

WHEREAS, as of the effective date of this Agreement, the outstanding balance of

commissions owed to DDM by Epixtar is Six Hundred Twenty-Nine Thousand One

Hundred Seventy Five Dollars ($629,175.00) (the "outstanding balance");

WHEREAS, the parties have mutually agreed to set forth new terms for the payment

of the outstanding balance.

NOW THEREFORE, in consideration of the premises, and for other good and valuable

consideration, their receipt and sufficiency being hereby acknowledged, the

parties hereto do mutually agree as follows: