EXHIBIT 32.0




                      DIRECT INSITE CORP. AND SUBSIDIARIES

                        CERTIFICATION OF PERIODIC REPORT






I, James A.  Cannavino,  Chief  Executive  Officer of Direct  Insite Corp.  (the
"Company"),  certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
18 U.S.C. Section 1350, that::

     (1)  The  Quarterly  Report on Form 10-QSB of the Company for the three and
          nine months ended  September 30, 2007 (the  "Report"),  fully complies
          with the  requirements  of  Section  13(a) or 15(d) of the  Securities
          Exchange Act of 1934; and

     (2)  The  information  contained  in the  Report  fairly  presents,  in all
          material respects, the financial condition and result of operations of
          the Company.



Date: November 7, 2007





                                 /s/James A. Cannavino
                                 -------------------------
                                    James A. Cannavino
                                    Chief Executive Officer






                      DIRECT INSITE CORP. AND SUBSIDIARIES

                        CERTIFICATION OF PERIODIC REPORT






I, Michael J.  Beecher,  Chief  Financial  Officer of Direct  Insite Corp.  (the
"Company"),  certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
18 U.S.C. Section 1350, that::

(1)  The  Quarterly  Report on Form 10-QSB of the Company for the three and nine
     months ended  September 30, 2007 (the  "Report"),  fully  complies with the
     requirements  of Section 13(a) or 15(d) of the  Securities  Exchange Act of
     1934); and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and result of operations of the Company.


Date: November 7, 2007            /s/ Michael J. Beecher
                                  -----------------------
                                  Michael J. Beecher
                                  Chief Financial Officer