Coming August 1999 -- Inet.Mail Pro 1.5
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     performance, and more from the best mail server for OS/2.
            http://www.hethmon.com -- sales@hethmon.com
****************************** WarpCast ******************************
Source: (tsipple@us.ibm.com)
Moderator: Christopher B. Wright (wrightc@dtcweb.com)
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Company Press Release

ECHO Certifies Theta Band's WarpCharge Software

AGOURA HILLS, Calif.--Aug. 31, 1999--Electronic Clearing House Inc.
(NASDAQ:ECHO - news) announced the certification of WarpCharge software
written by Theta Band Software LLC.

WarpCharge, a new online payment program for IBM OS/2 that works 
exclusively with ECHONLINE(SM) service, enables Web sites to 
securely process credit card transactions directly over the Internet. 
ECHO is the only processor that has certified WarpCharge to date.

WarpCharge uses SSL technology to securely transmit transactions to 
ECHO over the Internet, rather than requiring the use of a modem 
to establish a dial-up connection to a bank for each transaction. This 
yields a substantial improvement in processing time over the 
traditional dial-up approach.

``Several software houses have built NT-based and UNIX-based credit 
card processing interfaces for use on the Internet but WarpCharge 
is the first program ECHO has seen that has addressed the 
needs of the largely untapped IBM OS/2 marketplace of users,'' stated 
Larry Brown, vice president and chief technical officer of ECHO. 

``We're pleased to be working with such technically accomplished 
people as we see at Theta Band Software LLC.''

``I'm pleased that Theta Band has introduced WarpCharge to the 
marketplace,'' said Timothy Sipples, senior technical specialist, 
IBM Network Computing Software. ``WarpCharge should prove to be a 
popular revenue-generating tool for IBM's Web-savvy customers, 
particularly those enjoying the benefits of IBM's new OS/2 Warp 
Server for e-business.''

Theta Band Software, with headquarters in Santa Clara, Calif., 
was founded in 1997 and develops Internet and multimedia software 
products for IBM OS/2 Warp that are marketed and sold on the World 
Wide Web.

Electronic Clearing House is an electronic payment processor 
that serves more than 19,000 retail merchants and U-Haul dealers 
nationwide and processes all major credit cards; check conversion, 
truncation, verification and guarantee; inventory tracking; and 
Internet-based transactions.

ECHO is also a systems integrator and designer of both software 
and/or hardware systems that are presently being used as credit 
card processing terminals, inventory tracking devices, automated 
money order dispensers and casino cash advance systems.

To take advantage of the new ``safe harbor'' provisions of the 
Private Securities Litigation Reform Act of 1995, readers are 
hereby cautioned that this release contains forward-looking statements 
that are based upon current expectations and involve a number of 
risks and uncertainties. Actual operations and results may differ 
materially from those expressed in the forward-looking statements 
made by the company.

Contact:

     Electronic Clearing House Inc., Agoura Hills
     Donna Camras, 818/706-8999, ext. 3033
      http://www.echo-inc.com
      corp@echo-inc.com

        or

     Theta Band Software LLC, Santa Clara
     Julien Pierre
      http://www.thetaband.com
      julien@thetaband.com
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