EXHIBIT  10.53


                               THIRD AMENDMENT TO
                    POS CHECK THIRD PARTY SERVICER AGREEMENT
                             DATED DECEMBER 12, 2000
                                     BETWEEN
                         ELECTRONIC CLEARING HOUSE, INC.
                                       AND
                                VISA U.S.A., INC.


The  POS  Check Servicer Agreement ("Agreement") dated December 12, 2000 between
the  parties  is  amended  as  follows:

     1.     ECHO  agrees  to  deliver to Visa an enhancement to its current Visa
POS  Check processing system to support the Illinois Retail Merchant Association
(IRMA)  utilizing  the  4Access  Communications  Orion  or Certicheck terminals.

     2.   ECHO agrees to deliver to Visa an enhancement to its current Visa POS
Check processing system to add support for Visa's POS Check Service to the ECHO
TouchNet interface for access to TouchNet's university customers.

     3.   Visa shall pay ECHO the following fees for these additional functions:

     4.   Payment Terms - upon execution of Third Amendment to the Agreement.

     5.   Except as amended herein, the terms and conditions of the Agreement
dated  December  12,  2000, and any subsequent amendments shall continue in full
force  and  effect.

The  parties  through  their authorized representatives have executed this Third
Amendment  on  the  dates  shown  below,  effective  the  latest  such  date.

ELECTRONIC CLEARING                  VISA U.S.A., INC.
HOUSE, INC.