-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 VuUuL8BGivVMh8X4UwkBTishqJAITCyHdRxplCAbHbWi3Xs3jr2UgXzjseKLSWd4
 T2/VRq+0qKEemVK3HOjiOA==

<SEC-DOCUMENT>0001209191-03-024343.txt : 20031002
<SEC-HEADER>0001209191-03-024343.hdr.sgml : 20031002
<ACCEPTANCE-DATETIME>20031002183447
ACCESSION NUMBER:		0001209191-03-024343
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030930
FILED AS OF DATE:		20031002

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CLARKE JANET M
		CENTRAL INDEX KEY:			0001198436
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30791
		FILM NUMBER:		03925599

	BUSINESS ADDRESS:	
		STREET 1:		1600 SMITH STREET, HQSCE
		CITY:			HOUSTON
		STATE:			TX
		ZIP:			77002
		BUSINESS PHONE:		713-324-5000

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EFUNDS CORP
		CENTRAL INDEX KEY:			0001109190
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		IRS NUMBER:				391506286
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		8501 N. SCOTTSDALE RD
		STREET 2:		GAINEY CENTER II, SUITE 300
		CITY:			SCOTTSDALE
		STATE:			AZ
		ZIP:			85253
		BUSINESS PHONE:		6026592135

	MAIL ADDRESS:	
		STREET 1:		8501 N. SCOTTSDALE RD
		STREET 2:		GAINEY CENTER II, SUITE 300
		CITY:			SCOTTSDALE
		STATE:			AZ
		ZIP:			85253
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-09-30</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001109190</issuerCik>
        <issuerName>EFUNDS CORP</issuerName>
        <issuerTradingSymbol>EFDS</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001198436</rptOwnerCik>
            <rptOwnerName>CLARKE JANET M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>8501 N. SCOTTSDALE ROAD</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 300</rptOwnerStreet2>
            <rptOwnerCity>SCOTTSDALE</rptOwnerCity>
            <rptOwnerState>AZ</rptOwnerState>
            <rptOwnerZipCode>85253</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Restricted Stock Units (1,741.0537)</value></securityTitle><transactionDate><value>2003-09-30</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>606.3056</value></transactionShares><transactionPricePerShare><value>12.37</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2347.3593</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionA
mounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>Option (right to buy) 27,554</value></securityTitle><conversionOrExercisePrice><value>0</value><footnoteId id="F2" /></conversionOrExercisePrice><transactionDate><value>1988-08-08</value><footnoteId id="F2" /></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>0</value><footnoteId id="F2" /></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1988-08-08</valu
e><footnoteId id="F2" /></exerciseDate><expirationDate><value>1988-08-08</value><footnoteId id="F2" /></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>common stock</value></underlyingSecurityTitle><underlyingSecurityValue><value>0</value></underlyingSecurityValue></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>27554</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Includes Restricted Stock Units granted on 09/30/03 in lieu of director's fees.  The rights will vest and be converted into shares of the Company's common stock following the termination of the holder's services on the Board of Directors.</footnote><footnote id="F2">Options were granted under the Company's Stock Incentive Plan on 01/02/01 (7,692 shares @ $10.5625 per share), 01/01/02 (6,000 shares @ $1
3.78 per share) and 04/01/03 (13,862 shares @ $7.30 per share).  The options have a term of ten years from the date of grant.  One-half of each option granted prior to 2003 vests on each of the two succeeding anniversaries of the date of grant if, subject to certain exceptions, the holder continues to provide services to the Company through the applicable vesting date.  Options granted in 2003 and thereafter vest in three equal annual installments.  The vesting of the options is subject to acceleration upon the approved retirement of the holder, the death or disabililty of the holder and any change in control of the Company.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ Janet M. Clarke
by Steven F. Coleman</signatureName><signatureDate>2003-10-01</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----