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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 RRJNnXOVxYr/qBwE6BfeY2FH1B9vaWhm0Fjy/lpDNjFMg454TntIZUPkNUzztkQw
 l6sbHsLON0/GCoGy/KX9dw==

<SEC-DOCUMENT>0001140361-07-019688.txt : 20071015
<SEC-HEADER>0001140361-07-019688.hdr.sgml : 20071015
<ACCEPTANCE-DATETIME>20071015132755
ACCESSION NUMBER:		0001140361-07-019688
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20071011
FILED AS OF DATE:		20071015
DATE AS OF CHANGE:		20071015

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HALL KEITH
		CENTRAL INDEX KEY:			0001107089

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15245
		FILM NUMBER:		071171508

	MAIL ADDRESS:	
		STREET 1:		6701 CARMEL RD
		STREET 2:		SUITE 205
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28226

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ELECTRONIC CLEARING HOUSE INC
		CENTRAL INDEX KEY:			0000721773
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				930946274
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			0930

	BUSINESS ADDRESS:	
		STREET 1:		730 PASEO CAMARILLO
		CITY:			CAMARILLO
		STATE:			CA
		ZIP:			93010
		BUSINESS PHONE:		8187068999

	MAIL ADDRESS:	
		STREET 1:		730 PASEO CAMARILLO
		CITY:			CAMARILLO
		STATE:			CA
		ZIP:			93010

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BIO RECOVERY TECHNOLOGY INC
		DATE OF NAME CHANGE:	19860122
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2007-10-11</periodOfReport>

    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000721773</issuerCik>
        <issuerName>ELECTRONIC CLEARING HOUSE INC</issuerName>
        <issuerTradingSymbol>ECHO</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001107089</rptOwnerCik>
            <rptOwnerName>HALL KEITH</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>17204 CONNOR QUAY COURT</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CORNELIUS</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>28031</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Keith Hall</signatureName>
        <signatureDate>2007-10-15</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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