EXHIBIT 31.2

                        CERTIFICATION OF CFO PURSUANT TO
              SECURITIES EXCHANGE ACT RULES 13A-14(A) AND 15D-14(A)
                             AS ADOPTED PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Alice L. Cheung, certify that:

     1.   I have reviewed this annual report on Form 10-K of Electronic Clearing
House,  Inc.;

     2.   Based  on  my  knowledge,  this  report  does  not  contain any untrue
statement  of a material fact or omit to state a material fact necessary to make
the  statements  made, in light of the circumstances under which such statements
were  made,  not  misleading  with respect to the period covered by this report;

     3.   Based  on  my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material respects the
financial  condition,  results of operations and cash flows of the registrant as
of,  and  for,  the  periods  presented  in  this  report;

     4.   The  registrant's  other  certifying officer and I are responsible for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  for  the  registrant and have:

          a)   Designed  such disclosure controls and procedures, or caused such
disclosure  controls  and  procedures  to  be designed under our supervision, to
ensure  that  material  information  relating  to  the registrant, including its
consolidated  subsidiaries, is made known to us by others within those entities,
particularly  during  the  period  in  which  this  report  is  being  prepared;

          b)   Evaluated  the  effectiveness  of  the  registrant's  disclosure
controls  and  procedures and presented in this report our conclusions about the
effectiveness  of  the  disclosure controls and procedures, as of the end of the
period  covered  by  this  report  based  on  such  evaluation;  and

          c)   Disclosed  in this report any change in the registrant's internal
control  over  financial  reporting  that  occurred during the registrant's most
recent  fiscal quarter (the registrant's fourth fiscal quarter in the case of an
annual  report)  that  has  materially  affected,  or  is  reasonably  likely to
materially  affect,  the registrant's internal control over financial reporting;
and

     5.   The  registrant's other certifying officer and I have disclosed, based
on  our  most recent evaluation of internal control over financial reporting, to
the  registrant's  auditors and the audit committee of the registrant's board of
directors  (or  persons  performing  the  equivalent  functions):

          a)   All  significant  deficiencies  and  material  weaknesses  in the
design  or  operation  of  internal  control  over financial reporting which are
reasonably  likely  to  adversely  affect  the  registrant's  ability to record,
process,  summarize  and  report  financial  information;  and

          b)   Any  fraud,  whether or not material, that involves management or
other employees who have a significant role in the registrant's internal control
over  financial  reporting.

Date:  December 29, 2004
                                        /s/ Alice L. Cheung
                                        ------------------------------
                                        Alice L. Cheung
                                        Chief Financial Officer


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