EXHIBIT 3.1.8




                           CERTIFICATION OF AMENDMENT
                                       OF
                            ARTICLES OF INCORPORATION
                                       OF
                         ELECTRONIC CLEARING HOUSE, INC.


ELECTRONIC CLEARING HOUSE, INC., a corporation organized under the laws of the
State of Nevada, by its President and Corporate Secretary does hereby certify:

1. That the board of directors of said corporation at a meeting duly convened
and held on the  11th day of June, 2001, passed a resolution declaring that the
following change and amendment in the Articles of Incorporation is advisable:

RESOLVED, that Article "Fourth" of the Company's Articles of Incorporation be
amended to read as follows:

FOURTH.   The amount of the total authorized capital stock of the Corporation
is Four Hundred Ten Thousand ($410,000), which shall consist of Thirty-Six
Million (36,000,000) shares of Common stock at the par value One Cent ($.01)
each and five million (5,000,000) shares of Preferred stock having a par value
of One Cent ($.01) each.

          Simultaneously with the effective date of this amendment (the
'Effective Date'), each four shares of the Corporation's common stock, issued
and outstanding immediately prior to the Effective Date (the 'Old Common Stock')
shall, automatically and without any action on the part of the holder thereof,
be reclassified as and changed, pursuant to a reverse stock split (the 'Reverse
Stock Split'), into one share of the Corporation's outstanding common stock (the
'New Common Stock'), subject to the treatment of fractional share interests as
described below.  Each holder of a certificate or certificates which immediately
prior to the Effective Date represented outstanding shares of Old Common Stock
(the 'Old Certificates,' whether one or more) shall be entitled to receive upon
surrender of such Old Certificates to the Corporation's transfer agent for
cancellation, a certificate or certificates (the 'New Certificates,' whether one
or more) representing the number of whole shares of the New Common Stock into
and for which the shares of the Old Common Stock formerly represented by such
Old Certificates so surrendered, are reclassified under the terms hereof.  From
and after the Effective Date, Old Certificates shall thereupon be deemed for all
corporate purposes to evidence ownership of New Common Stock in the
appropriately reduced whole number of shares.  No certificates or scrip
representing fractional share interests in New Common Stock will be issued, and
no such fractional share interest will entitle the holder thereof to vote, or to
any rights of a stockholder of the Corporation.  In lieu of any fraction of a
share of New Common Stock to which the holder would otherwise be entitled, the
holder will receive a cash payment in U.S. dollars equal to such fraction
multiplied by four times the average of the closing bid and asked price per
share of Common Stock as quoted on Nasdaq for the five trading days immediately
preceding the Effective Date.  If more than one Old Certificate shall be
surrendered at one time for the account of the same stockholder, the number of
full shares of New Common Stock for which New Certificates shall be issued shall
be computed on the basis of the aggregate number of shares represented by the
Old Certificates so surrendered.  In the event that the Corporation's transfer
agent determines that a holder of Old Certificates has not surrendered all his
certificates for exchange, the transfer agent shall carry forward any fractional
share until all certificates of that holder have been presented for exchange
such that payment for fractional shares to any one person shall not exceed the
value of one share.  If any New Certificate is to be issued in a name other than
that in which it was issued, the Old Certificates so surrendered shall be
properly endorsed and otherwise in proper form for transfer, and the stock
transfer tax stamps to the Old Certificates so surrendered shall be properly
endorsed and otherwise in proper form for transfer, and the person or persons
requesting such exchange shall affix any requisite stock transfer tax stamps to
the Old Certificates surrendered, or provide funds for their purchase, or
establish to the satisfaction o f the transfer agent that such taxes are not
payable.  From and after the Effective Date, the amount of capital shall be
represented by the shares of the New Common Stock into which and for which the
shares of the Old Common Stock are reclassified, until thereafter reduced or


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increased in accordance with applicable law.  All references elsewhere in the
Amended and Restated Articles of Incorporation to the 'Common Stock' shall,
after the Effective Date, refer to the 'New Common Stock'."

IN WITNESS WHEREOF, the said ELECTRONIC CLEARING HOUSE, INC., has caused this
certificate to be signed by its Chief Financial Officer and its Corporate
Secretary and its corporate seal to be hereto affixed this 6th day of September,
2001.

ELECTRONIC CLEARING HOUSE, INC.

Alice Cheung, Chief Financial Officer
Donna L. Rehman, Corporate Secretary