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Exhibit 99.2

STOCK REDEMPTION AGREEMENT

        STOCK REDEMPTION AGREEMENT (the "Agreement") dated November 25, 2002, by and between William M. Rychel, ("Rychel"), an individual and Centiv, Inc., a Delaware corporation ("CENTIV").

RECITALS

        1.    Rychel currently holds, among others, EIGHT HUNDRED AND SIX THOUSAND, NINE HUNDRED AND EIGHTY THREE (806,983) shares of Common Stock, $0.001 par value of CENTIV ("the Shares")

        2.    Rychel desires to sell to CENTIV, and CENTIV desires to purchase from Rychel, the Shares.

        NOW, THEREFORE, the parties, intending to be legally bound, agree as follows:

ARTICLE I
Purchase and Sale of Shares

        Section 1.1. Purchase and Sale of Redeemed Shares. Subject to the terms and conditions of this Agreement, on such other date as agreed upon by CENTIV and Rychel (the "Closing Date"), Rychel shall sell to the CENTIV and the CENTIV shall purchase and redeem from Rychel the Shares.

        Section 1.2. Redemption Price. The redemption price for the Shares shall be, pursuant to the resolution of CENTIV's Board of Directors dated November 22, 2002, TWO DOLLARS AND SEVENTY-NINE CENTS ($2.79) per share which equals an aggregate amount (principal and interest) for the Shares of TWO MILLION, TWO HUNDRED AND FIFTY ONE THOUSAND, TWO HUNDRED AND THIRTY-ONE DOLLARS and FORTY CENTS, ($2,251,482.57) (the "Redemption Price"). The Redemption Price shall be paid pursuant to the terms set forth below.

        Section 1.3. Closing. The closing of the sale (the "Closing") of the Shares shall take place at CENTIV's executive offices, on the Closing Date, or on such other date and place as the parties may agree.

        Section 1.4. Transfer of Shares. At the Closing, Rychel shall deliver or cause to be delivered to CENTIV, duly executed blank stock powers, to transfer the Shares free and clear of any liens, charges and encumbrances.

ARTICLE II.
Representations and Warranties

        Section 2.1. CENTIV's Representations and Warranties. As an inducement to Rychel to enter into this Agreement, CENTIV represents and warrants that the following are true and correct as of the date first written above, and CENTIV acknowledges that Rychel is relying on such representations and warranties in connection with the transactions contemplated by this Agreement.

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        Section 2.2. Rychel's Representations and Warranties. As an inducement to CENTIV to enter into this Agreement, Rychel hereby represents and warrants that the following are true and correct as of the date first written above, and acknowledges that CENTIV is relying on such representations and warranties in connection with the transactions contemplated by this Agreement.

ARTICLE III.
Indemnification

        Section 3.1. Survival of Representations and Warranties. All representations, warranties and agreements made by either party in this Agreement, or in any certificate or other instrument delivered by or on behalf of either party hereto, shall survive the Closing for a period of one (1) year.

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        Section 3.2. Indemnification. From and after the Closing, Rychel and CENTIV shall each indemnify and hold the other harmless from and against all losses, liabilities and expenses (including reasonable attorney's fees and other costs) that may be suffered or incurred by the other on account of the breach of or inaccuracy in any representation, warranty or covenant made by them herein.

ARTICLE IV.
Miscellaneous

        Section 4.1. Assignment. This Agreement shall not be assignable by any party except with the prior express written consent of the other party, which shall be in the sole discretion of the other party to grant or withhold. Consent to one assignment shall not be construed as consent to any subsequent assignment.

        Section 4.2. Benefit. All the terms of this Agreement shall be binding upon and inure to the benefit of, and be enforceable by the respective heirs, successors and permitted assignees of, the parties hereto.

        Section 4.3. Entire Agreement. This Agreement and any documents furnished and instruments executed pursuant hereto constitute the entire agreement between the parties hereto with respect to the subject matter hereof and supersede all prior written or oral representations and agreement between the parties.

        Section 4.4. Notices. All notices, requests, demands, and other communications hereunder shall be in writing and shall be deemed to have been duly given if delivered personally, or if sent by Federal Express or any other comparable courier services, or if sent by certified mail, return receipt requested to the following:

        If to Rychel:

        If to CENTIV:

        Section 4.5. Expenses. Each party hereto shall pay his or its own expenses incident to this Agreement and the consummation of the transaction herein described.

        Section 4.6. Further Assurances. At and after Closing, if any further reasonable action is necessary to carry out the purposes of this Agreement, each of the parties hereto shall take all such reasonable action without any further consideration.

        Section 4.7. Waiver. Any term or condition of this Agreement may be waived at any time by the party or parties entitled to the benefit thereof, but only by a written notice signed by the party or parties waiving such terms or conditions. The waiver of any term or condition shall not be construed as a waiver of any other term or condition of this Agreement.

        Section 4.8. Amendment. This Agreement may be amended, supplemented, or modified at any time, but only by a written instrument duly executed by Rychel and by CENTIV.

        Section 4.9. Best Efforts. Each party hereto covenants and agrees to use its best and most diligent efforts to cause all of its covenants and agreements and all conditions precedent to the other party's obligations to close hereunder to be performed, satisfied and fulfilled.

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        Section 4.10. Construction. This Agreement is being delivered and is intended to be performed in the State of Illinois, and shall be construed and enforced in accordance with the laws of the State of Illinois.

        Section 4.11. Counterparts. This Agreement may be executed in counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.

        Section 4.12. Partial Invalidity. In the event that any term or provision of this Agreement is rendered invalid or unenforceable by any valid act of Congress or the state legislature, or by any regulation duly promulgated by officers of the United States or the State of Illinois acting in accordance with law, or declared null and void or unenforceable by any court of competent jurisdiction, the remaining terms and provisions of this Agreement shall remain in full force and effect.

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first written above.

RYCHEL:

/s/ WILLIAM M. RYCHEL
William M. Rychel
   

Centiv, Inc.:

 

 

/s/ THOMAS M. MASON

By: Thomas M. Mason
Its: Chief Financial Officer

 

 

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