SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 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): October 9, 2000


                                CONCORD EFS, INC.
              ----------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)



           Delaware                 000-13848                04-2462252
       ----------------            -----------             --------------
       (State or Other        (Commission File Number)     (IRS Employer
         Jurisdiction                                    Identification No.)
       of Incorporation)


          2525 Horizon Lake Drive, Suite 120, Memphis, Tennessee 38133
         --------------------------------------------------------------
              (Address of Principal Executive Offices) (Zip Code)


       Registrant's telephone number, including area code: (901) 371-8000
                                                           ---------------


                                      N/A
         ---------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)



Item 5.  Other  Events.

On October 6, 2000,  Concord EFS, Inc., a Delaware  corporation (the "Company"),
entered  into an  Agreement  and Plan of Merger dated as of October 6, 2000 (the
"Merger Agreement") with Star Systems,  Inc., a Delaware  corporation  ("Star"),
and Orion Acquisition Corp., a Delaware  corporation and wholly owned subsidiary
of the Company ("Merger Sub"). The Merger Agreement provides for the merger (the
"Merger")  of Merger Sub with and into  Star,  with Star  surviving  as a wholly
owned subsidiary of the Company.

The  consummation of the Merger is subject to certain  regulatory  approvals and
other  closing  conditions,   including  the  approval  of  the  Merger  by  the
shareholders  of Star  and that the  transaction  be  treated  as a  pooling  of
interests for accounting  purposes.  In connection  with execution of the Merger
Agreement,  shareholders of Star owning in the aggregate more than a majority of
the  outstanding  common stock of Star entered into separate  voting  agreements
with the Company to approve the Merger.

In connection with the Merger Agreement, on October 9, 2000 the Company issued a
press release and held an open conference call. Copies of such press release and
the  "talking  points"  prepared for the  conference  call are filed as exhibits
hereto and are incorporated by reference herein.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

(a) -- (b)         Not applicable.

(c)      Exhibits:

Exhibit
Number   Description of Exhibit

99.1 Press Release issued by the Company on October 9, 2000.

99.2 "Talking  Points" prepared for the open conference call held by the Company
     on October 9, 2000.

                                    Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                CONCORD EFS, INC.



Date: October 9, 2000               By: /s/ Thomas J. Dowling
                                        ---------------------
                                        Thomas J. Dowling
                                        Senior Vice President






















                                  Exhibit Index

                  The following is a list of the Exhibits filed herewith.

Exhibit
Number    Description of Exhibit
-------  ---------------------------

99.1  Press Release issued by the Company on October 9, 2000.

99.2  "Talking Points" prepared for the open conference call held by the Company
      on October 9, 2000.