Electronic Clearing House, Inc. continues to build on its history of Credit Card Processing electronic payment processing and financial services solutions for businesses across the United States. Over 110,000 businesses benefit from the expertise ECHO has developed since 1986, when the company began to develop products and services that streamline the business of selling.

Whether at a retail store, on-line, or over the phone, ECHO’s merchants can earn increased business more easily by accepting credit cards and checks with our integrated merchant accounts. With its electronic infrastructure, flexibility and development expertise, ECHO provides these capabilities and more to a wide range of industries and business models. Our partners include value added resellers, community banks, collection agencies and independent resellers.

Business Units and Subsidiaries

XPRESSCHEX, INC.

XPRESSCHEX, Inc. is the check collection arm in ECHO’s suite of full-service check services.

National Check Network

To provide effective risk protection for merchants using its check services, ECHO acquired the National Check Network in 2000. This offers merchant check verifications and authorizations from the NCN database, which is a shared pool of negative and positive checking account data contributed by over 260 affiliated collection agencies across the United States. This authorization capability is at the heart of all of ECHO’s Check Services for merchants. 

Collection agencies interested in joining the network for the benefit of their merchants are encouraged to visit our NCN Website, or call our National Director at (515) 957-8863.