ALL MY Papers

All My Papers (AMP) provides software tools for Check Image Cash Letter (ICL) files otherwise known as x9.37 files or Check 21 files.  AMP Products can help you implement your Remote Deposit Capture (RDC) and Check Image Exchange related workflows while ensuring that there are no interoperability or data integrity issues.

All My Papers product line includes tools and applications for creation and control of ICL Files

Use our products to

 All Products support industry-standard formats


Recent Articles

Detect and correct MICR errors in Image Cash Letter files

Now you can use low-cost software from All My Papers to automatically find incorrect, missing or low-confidence MICR characters in check image cash letters and then quickly edit and save the corrected ICL file.

Read more ...

Challenging Assumptions about Remote Deposit Capture

Remote Deposit Capture (RDC) has been in use by banks and other financial institutions for some time. What is relatively new for RDC is the capture of checks from camera based devices without hardware magnetic MICR readers. These Remote Deposit Camera Capture (or RDCC) devices such as cell phone cameras, flatbed scanners and portable scanners are challenging many traditional assumptions about Remote Deposit Capture:

Read more ...

Working with ICL File Variations

The X9.37-2003 DSTU standard was developed to address a broad group of users who need to send check images and check image data electronically, accurately and efficiently. Unfortunately, the DSTU did not address some important issues. Consequently, there have appeared on the market many variations on the standard. Some of these variations fall within the scope of the standard and some do not. But nonetheless, your organization may receive or send an X9.37 file that is substantially different than what you or your exchange partners were expecting.

Read more ...

Solving production problems with ICL files

Image Cash Letter files (ICLs), aka X9.37 files, are becoming bigger and “badder.” As financial institutions continue to ramp up production volume, the issues that were troublesome but relatively rare are now making an impact with multiple daily issues that can overwhelm operations, quality assurance, and customer service personnel at financial institutions. All My Papers provides software development kits and applications to address these issues.

Read more ...

Creating Exchange Ready ICL Files with All My Checks

Many organizations would like a software tool that helps them build a solution to capture checks from any type of scanner and then turn the check images into an image cash letter (ICL) file to send to a financial institution (FI).

All My Checks software makes any scanner into a check scanner by finding and formatting the check images in a folder of images. Usually the objective of scanning a check is to electronically transfer the check image to another financial institution for processing. The mechanism for transferring the check image for processing is to make the check image part of an image cash letter (ICL) file.

Read more ...


X9 VIEWER supports new X9 Standard  EPC-6 Code

Click Here for more information

For questions or to stay up-to-date on our products

Click for our Contact Page


amc-logosmAll My Checks™
• Extract MICR data accurately
• Format check images for exchange
• Create ICL files for exchange or RDC
• Ready to run software application

• Process check images
  From Phones, Cameras, Scanners
• Extract MICR data from check images 
• Format check images for exchange
• Fast programming with single call implementation

ampLIB-logosmX9 RCC
• Produce Pre-Authorized Drafts
  - for presentment or exchange
  -on behalf of your customers 
• Produce Test ICL Files
  - to debug Check 21 Applications
  - without risking customer data

• View content of ICL files
• View check images
• Edit records and fields
• Print IRDs

qualifier-smlogoX9 Qualifier
• Detect non-conforming TIFF tags
• Correct TIFF Tags
• Detect MICR Mis-Match
• Image IQA

x9LIB-smlogoX9LIB SDK
• Create ICL Files
• Format ICL Files
• Save as CSV Files
• Sort & Merge ICL Files

IRD-Print-smlogoIRD Print
• Conforms to latest standard
• Prints Negotiable IRDs
• Works with Many Printers
• Prints one item or the entire ICL file

x9ImageClearing-smlogoX9 Image Clearing
• Check Archive
• Duplicate Detection 
• Research Check Items
• Forward & Return Clearing



July 22, 2014 - ALL MY PAPERS Software Selected by Tangerine Bank -- Cheque imaging technology provides low cost solution for Canadian Banks


April 10, 2013 - ALL MY PAPERS Signs Reseller Agreement with Orbograph


September 25, 2012 - Orbograph and All My Papers Form Alliance for Remote Deposit Capture & Mobile Marketplace Complementing technologies improve efficiency and reduce risk of fraud

August 3, 2012- Credit Union Times - Mobility Matters: Tracking the Mobile Banking Revolution in Credit Unions


September 28, 2011- All My Papers Announces a Software Application That Makes Every Scanner a Check Scanner - You can read the press release online by going HERE.

April, 2011- Check Deposit Challenges Using Scanners Without MICR Readers - Transaction News - You can read the article online by going HERE.

January 25, 2011 - All My Papers Updates MICR OCR SDK with Additional Camera Capture Features For Mobile Phones and Desktop Scanners


February 24, 2009 All My Papers Publishes Case Study of X9 IMAGE CLEARING Software Solution For the State of North Carolina Check 21 Processing.


December 2 , 2008 All My Papers Awarded Bid by State of Nouth Carolina for Check 21 Processing

October 24, 2008 All My Papers previews Beta version of X9 Viewer with support for the Universal Companion Document, UCD.

July 23, 2008 All My Papers Releases Software Reader for USPS 4-State Barcode

May 6 , 2008 All My Papers Releases Federal Reserve Bank MICR Conversion Utility for Check 21 Files


December 12, 2007 All My Papers Releases X9 TIFF QUALIFIER For Testing To the New ECCHO Check Image Exchange Rules

October 23, 2007 All My Papers Releases White Paper on Ramifications of MICR Mis-Match in Check Image Exchange

October 22, 2007 All My Papers Releases X9 TIFF QUALIFIER for Image Cash Letters

August 21, 2007 All My Papers Joins Financial Industry Organizations ECCHO and FSTC To Facilitate Check Image Exchange

May 2, 2007 - All My Papers Releases X9 VIEWER for Image Cash Letters

March 27, 2007 - All My Papers Releases White Paper on Check Image Exchange Interoperability and Data Integrity Issue Resolution

February 21 , 2007 - All My Papers and Unisys Deliver Unrivalled Check Image Data Precision for Financial Institutions


January 17 , 2006 - Sterling National Bank, Leveraging All My Papers Technology, Granted Federal Reserve Board Approval for FedReturn™ Image Cash Letter


October 4 , 2005 - All My Papers MICR OCR Technology Integrated into 1,050 7-Eleven Vcom© Kiosks Verifies Check Image Data

August 12 , 2005 - All My Papers Publishes a FREE white paper - Combining Remote Capture and IRD Printing, A Check 21 Strategy for Community and Regional Banks.

July 20, 2005 - All My Papers Business Partner, Aquracy LLC, uses IRD print technology in Remote Image Capture Solution.

July 18, 2005 - All My Papers and Intactis Software Inc. form Strategic Business Partnership.

13750 Serra Oaks
Saratoga, CA 95070

PHONE: (408) 366-6400
FAX:(408) 366-6406

Copyright© 2015 All My Papers
All Rights Reserved
Last Update October 1, 2015

Go to top