Online Resources Corp., a McLean Internet banking and bill payment company, agreed to buy Incurrent Solutions Inc. of Parsippany, N.J., for $15 million in cash and stock.

The acquisition announced yesterday is part of an effort by Online Resources to expand its customer base in the increasingly crowded Web banking sector. Seven-year-old Incurrent sells Internet software to credit and bank card issuers, such as MBNA and National City Bank, allowing the issuers and their card holders to view account information over the Web.

Online Resources executives plan to integrate their company's technology with Incurrent's so that a credit card user can view account information, then conduct transactions over the Internet.

"Our respective markets are very complementary," said Matthew P. Lawlor, Online Resources' chief executive. "The organizations' structures and cultures are very similar."

The acquisition, expected to close in early December, is the first made by 15-year-old Online Resources. The McLean company agreed to pay $8 million in cash plus 1 million shares of stock valued at $7 each for Incurrent. The privately held Incurrent has about $7 million in annual revenue but is not profitable, according to Online Resources executives.

Incurrent's chief executive, David J. Hickey, will become president of Online Resources' credit card services division, and the company will maintain operations in Parsippany. Lawlor said most of Incurrent's 40 employees will join Online Resources' 300-person staff. "You can count on one hand" the number of people who might be laid off as a result of the acquisition, Lawlor added.

Online Resources, which will report its third-quarter results on Wednesday, earned $1.2 million (6 cents a share) on $10.1 million in revenue during the three months ended June 30, up from a loss of $148,000 (1 cent) on $8.4 million in revenue during the corresponding period in 2003. Shares of Online Resources rose 5 cents yesterday to close at $7.35.