EXHIBIT 23.1

                       CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the  incorporation  by reference to Amendment No. 2 in this
Registration Statement on Form S-3 of our report dated December 5, 2003 relating
to the financial statements and financial statement schedules,  which appears in
Electronic  Clearing  House Inc.'s Annual Report on Form 10-K for the year ended
September 30, 2003.  We also consent to the  references to us under the headings
"Experts" in such Registration Statement.



/s/ PricewaterhouseCoopers LLP
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PricewaterhouseCoopers LLP


Los Angeles, California
January 16, 2004