UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549


                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

       Date of report (Date of earliest event reported): July 19, 2005


                               Pipeline Data Inc.


             (Exact name of registrant as specified in its charter)


            DELAWARE                  333-79831                13-3953764

State or other jurisdiction of   (Registration No.)          (IRS Employer
 incorporation or organization                            Identification No.)


             1599 Washington Street, Braintree, Massachusetts 02184
                    (Address of principal executive offices)

                                 (800) 932-5708
                         (Registrant's telephone number,
                              including area code)

                                 Not Applicable
          (Former name or former address, if changed since last report)

     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

     ___ Written  communications  pursuant to Rule 425 under the  Securities Act
(17 CFR 230.425)

     ___ Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17
CFR 240.14a-12)

     ___  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
Exchange Act (17 CFR 240.14d-2(b))

     ___  Pre-commencement  communications  pursuant to Rule 13e-4(c)  under the
Exchange Act (17 CFR 240.13e-4(c))
<PAGE>

Item 1.01. Entry into a Material Definitive Agreement.

     Pipeline   Data  Inc.   entered   into  a  merger   agreement   to  acquire
Charge.com,Inc.  on July 15, 2005.  Under the terms of the  agreement,  Pipeline
will  purchase  Charge.com  for $7.5 million in cash,  $9.5 million in shares of
Pipeline  common  stock.  The  common  stock  issued to the  former  holders  of
Charge.com shall have standard piggy-back  registration rights,  commencing from
the  expiration  of the twelve (12) month lock up provision  and $5.5 million in
shares of  Pipeline  common  stock shall be afforded  certain  price  protection
provisions.  One  shareholder  of  Charge.com  will be retained by Pipeline Data
pursuant to a written employment  agreement.  One shareholder of Charge.com will
be retained by Pipeline Data pursuant to a written consultant agreement.

     Consummation  of the  Transaction  shall be subject  to (i) the  receipt by
Pipeline Data of financing for the  consummation of the Transaction (ii) trading
obligations and (iii) approval by Pipeline Data shareholders.

     During the period between signing and closing the transaction,  the parties
have  agreed that  Pipeline's  Alpharetta,  GA  wholesale  processing  division,
Pipeline Data Processing,  will service  two-thirds of Charge.com's new merchant
applications.

     The  information in this report shall not deemed to be "filed" for purposes
of Section 18 of the Securities  Exchange Act of 1934, as amended (the "Exchange
Act"), or otherwise  subject to the liability of that section,  and shall not be
incorporated  by reference  into any  registration  statement or other  document
filed under the Securities Act of 1933, as amended,  or the Exchange Act, except
as shall be expressly set forth by specific reference in such filing.
<PAGE>


                                    SIGNATURE


     Pursuant to the  requirements  of the  Securities and Exchange Act of 1934,
the  Registrant  has  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                             Pipeline Data Inc,

Dated: July 19, 2005                         By: /s/ MacAllister Smith

                                             ------------------------
                                             MacAllister Smith
                                             Chief Executive Officer
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{"company-data": {"conformed-name": "PIPELINE DATA INC", "cik": "0001086533", "assigned-sic": "7389", "irs-number": "133953764"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-50611", "film-number": "05961210"}, "business-address": {"street1": "1599 WASHINGTON STREET", "street2": "SUITE 1D", "city": "BRAINTREE", "state": "MA", "zip": "02184", "phone": "781 843 3812"}, "mail-address": {"street1": "1599 WASHINGTON STREET", "street2": "SUITE 1D", "city": "BRAINTREE", "state": "MA", "zip": "02184"}}
UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

       Date of report (Date of earliest event reported): July 19, 2005

                               Pipeline Data Inc.

             (Exact name of registrant as specified in its charter)

            DELAWARE                  333-79831                13-3953764

State or other jurisdiction of   (Registration No.)          (IRS Employer
 incorporation or organization                            Identification No.)

             1599 Washington Street, Braintree, Massachusetts 02184
                    (Address of principal executive offices)

                                 (800) 932-5708
                         (Registrant's telephone number,
                              including area code)

                                 Not Applicable
          (Former name or former address, if changed since last report)

     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

     ___ Written  communications  pursuant to Rule 425 under the  Securities Act
(17 CFR 230.425)

     ___ Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17
CFR 240.14a-12)

     ___  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
Exchange Act (17 CFR 240.14d-2(b))

     ___  Pre-commencement  communications  pursuant to Rule 13e-4(c)  under the
Exchange Act (17 CFR 240.13e-4(c))
Item 1.01. Entry into a Material Definitive Agreement.

     Pipeline   Data  Inc.   entered   into  a  merger   agreement   to  acquire
Charge.com,Inc.  on July 15, 2005.  Under the terms of the  agreement,  Pipeline
will  purchase  Charge.com  for $7.5 million in cash,  $9.5 million in shares of
Pipeline  common  stock.  The  common  stock  issued to the  former  holders  of
Charge.com shall have standard piggy-back  registration rights,  commencing from
the  expiration  of the twelve (12) month lock up provision  and $5.5 million in
shares of  Pipeline  common  stock shall be afforded  certain  price  protection
provisions.  One  shareholder  of  Charge.com  will be retained by Pipeline Data
pursuant to a written employment  agreement.  One shareholder of Charge.com will
be retained by Pipeline Data pursuant to a written consultant agreement.

     Consummation  of the  Transaction  shall be subject  to (i) the  receipt by
Pipeline Data of financing for the  consummation of the Transaction (ii) trading
obligations and (iii) approval by Pipeline Data shareholders.

     During the period between signing and closing the transaction,  the parties
have  agreed that  Pipeline's  Alpharetta,  GA  wholesale  processing  division,
Pipeline Data Processing,  will service  two-thirds of Charge.com's new merchant
applications.

     The  information in this report shall not deemed to be "filed" for purposes
of Section 18 of the Securities  Exchange Act of 1934, as amended (the "Exchange
Act"), or otherwise  subject to the liability of that section,  and shall not be
incorporated  by reference  into any  registration  statement or other  document
filed under the Securities Act of 1933, as amended,  or the Exchange Act, except
as shall be expressly set forth by specific reference in such filing.
SIGNATURE

     Pursuant to the  requirements  of the  Securities and Exchange Act of 1934,
the  Registrant  has  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                             Pipeline Data Inc,

Dated: July 19, 2005                         By: /s/ MacAllister Smith

                                             ------------------------
                                             MacAllister Smith
                                             Chief Executive Officer