EXHIBIT 3.1.5




                           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 18th day of November, 1996, 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
Three Hundred Ten Thousand Dollars ($310,000), which shall consist of Twenty-Six
Million (26,000,000) shares of Common stock of the par value of One Cent ($.01)
each and five million (5,000,000) shares of Preferred stock having a par value
of One Cent ($.01) each."

IN WITNESS WHEREOF, the said ELECTRONIC CLEARING HOUSE, INC., has caused this
certificate to be signed by its President and its Corporate Secretary and its
corporate seal to be hereto affixed this 10th day of March, 1997.

ELECTRONIC CLEARING HOUSE, INC.

Donald R. Anderson, President
Donna L. Camras, Corporate Secretary