EXHIBIT 5.1

                         STUBBS ALDERTON & MARKILES, LLP
                       15821 Ventura Boulevard, Suite 525
                            Encino, California 91436

November 6, 2003

Electronic Clearing House, Inc.
730 Paseo Camarillo
Camarillo, California 93010


         Re:      Electronic Clearing House, Inc.,
                  Registration Statement on Form S-3

Ladies and Gentlemen:

         At your request,  we have examined the  Registration  Statement on Form
S-3 (the  "REGISTRATION  STATEMENT") to which this letter is attached as Exhibit
5.1  filed  by  Electronic  Clearing  House,  Inc.,  a Nevada  corporation  (the
"COMPANY"),  in order to register  under the  Securities Act of 1933, as amended
(the "ACT"),  437,957  shares of Common Stock of the Company and any  additional
shares of Common Stock of the Company which may be  registered  pursuant to Rule
462(b) under the Act (the  "SHARES").  The Shares consist of 437,957 shares that
were issued to certain  investors  (identified  in the  Registration  Statement)
pursuant to a Securities  Purchase  Agreement dated October 23, 2003,  among the
Company and such investors.

         We have  examined  originals  or  certified  copies  of such  corporate
records of the Company and other  certificates and documents of officials of the
Company,  public officials and others as we have deemed appropriate for purposes
of  this  letter.  We  have  assumed  the  genuineness  of all  signatures,  the
authenticity  of all documents  submitted to us as originals,  the conformity to
authentic  original  documents of all copies  submitted  to us as conformed  and
certified or reproduced copies.

         Based on the  foregoing,  we are of the opinion that the 437,957 issued
and outstanding Shares have been duly authorized,  and are validly issued, fully
paid and non-assessable.

         We consent to the use of this opinion as an Exhibit to the Registration
Statement and to use of our name in the Prospectus constituting a part thereof.

                                             Very truly yours,

                                             /S/ STUBBS ALDERTON & MARKILES, LLP
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                                             STUBBS ALDERTON & MARKILES, LLP