SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C.  20549


                                    FORM 8-K


                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


Date of Report (Date of earliest event reported):  May 10, 2004


                         ELECTRONIC CLEARING HOUSE, INC.
                         -------------------------------
             (Exact name of registrant as specified in its charter)

           Nevada                      0-15245                 93-0946274
(State or other jurisdiction   (Commission File Number)      (IRS Employer
      of incorporation)                                   Identification No.)



  730 Paseo Camarillo, Camarillo, California           93010
  (Address of principal executive offices)          (Zip Code)


       Registrant's telephone number, including area code: (800) 233-0406


--------------------------------------------------------------------------------
          (Former name or former address, if changes since last report)



ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

     (c)  Exhibits

          99.1   Press Release dated  May 10, 2004, announcing financial results
                 for the quarter ended March 31, 2004.

ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On  May  10,  2004,  Electronic Clearing House, Inc. issued a press release
announcing  its  financial results for the quarter ended March 31, 2004.  A copy
of  the  press  release is being furnished as Exhibit 99.1 to this report and is
incorporated  herein  by  reference.

     The  information in this report shall not be deemed "filed" for purposes of
Section  18  of  the  Securities  Exchange  Act  of 1934, nor shall it be deemed
incorporated  by reference in any filing under the Securities Act of 1933 or the
Securities  Exchange  Act  of  1934,  except  as shall be expressly set forth by
specific  reference  in  such  a  filing.



                                   SIGNATURES


Pursuant  to  the  requirements  of  the  Securities  Exchange  Act of 1934, the
Registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  hereunto  duly  authorized.


                                        ELECTRONIC CLEARING HOUSE, INC.
                                              (Registrant)




                                        By:  \s\Alice  Cheung
                                             ---------------------------
                                        Alice L. Cheung, Treasurer &
                                        Chief Financial Officer


Dated:  May 10, 2004