X9lib 1

X9LIB Software Development Toolkit

X9 LIB(c) is a suite of software tools enabling the manipulation of ICL files in various formats including X9.37, 180 files, Universal Companion Document files or UCD files.  X9 LIB is a Windows DLL high-level programming system that allows ICL files to be:

  • Composed
  • Converted
  • Edited
  • Sorted
  • Merged
  • Split
  • Recalculated
  • Tested

ICL Files

A cash letter is an inter-bank transmittal letter that accompanies cash items sent from one bank to another. The ICL file is the electronic version of the cash letter.  An X9.37 or ICL file can be transmitted to a Federal Reserve Bank or other financial institution.  The ICL contains check images, MICR line information endorsement information added by each institution through which the file has passed and information for reconciling totals within the file.

Business Use

A bank may receive ICL files from many different sources including the Fed, other banks and commercial remote capture systems. The check items in these miltiple incoming ICL files may need to be aggregated and then split in to indvidual ICL files, one for each payor bank.  X9 LIB provides the ability to aggregate ICL files, sort by payor bank and then split the ICL file ICL files with the appropriate items for each payor bank.

Similar scenarios can be imagined for editing the information in the X9.37 record so it corresponds to the correct value of the MICR data on the check image.

An application could be developed that allows the bank personnel to remove items from a X9.37 file and compose a Return X9.37 file for those items it picked that it did not want to process with the bulk of the items in the original X9.37 file. The All My Papers software would recalculate the Return X9.37 file and recalculate the original X9.37 file minus the deleted Return items.

Format ICL Files for Specific Destinations

Once an ICL file is composed and created it is usually sent to a particular financial institution such as an exchange or bank. Each of these financial institutions publishes a companion document that specifies how the file and its contents are organized and formatted. X9 LIB will format files for all the major exchanges such as the Federal Reserve Bank, SVPCO, Viewpointe or Endpoint exchange. The major exchanges have now standardized on a Universal Companion Document (UCD). AMP software supports these variations for each of the major exchanges.

X9lib 2

Format ICL Files For Specific Destination

X9LIB can sort, merge or split ICL files based on customer requirements

X9lib 3

X9 LIB Sorts ICL files based on Bank Routing Number

X9lib 4

X9 LIB Can Merge Multiple ICL Files Together

X9lib 5

X9 LIB Can Split Large ICL Files


For more information, contact



If you cannot view the datasheet, then please click HERE to download the PDF datasheet.



 System Requirements

Operating System: Windows 32-Bit, and 64-Bit under WOW

CPU: Pentium 4, 2GHZ

RAM: 512MB Minimum, 2GB recommended if processing large ICL files


Input/Output/Conversion Compatibility

Input File Formats: Forward and Return X9.37/X9.100-187/UCD variants including FRB, SVPCO, Endpoint and more then 25 other bank formats, NSF, NSF2, NSFMIT, NSFBLOB, CSV, MAL

Output File Formats: Forward and Return X9.37/X9.100-187/UCD variants including FRB, SVPCO, Endpoint and more then 25 other bank formats. Also, CSV/SIT, CSV/BLOB, SOP, NSF/BLOB, X9.100-180, MAL

NSF - Normalized Scanner Format is a format of All My Papers.

NSF/MIT - Multi Image TIFF format for NSF files.

For more information on these and other AMP supported file formats, please see the All My Papers publication: AX9Lib NSF Input Formats.



 About Downloaded Software

All my Papers software is available for download for trial and production use and in some cases, demo use.

  • Demo Use - You may download the software and install it - limited functionality is available without any licenses.  Products without demo functionality will require a license to use.
  • Trial Use - Qualified customers may obtain a temporary license to enable product features for tial use (usually 30-days) by contacting
  • Production Use - When you purchase an All My Papers product, you will be issued a permanent license enabling it use on one workstation or server.  Permanent licenses come with one year of support and maintenance releases.  Thereafter, support and access to maintenance releeases is 15% of the permanent license cost per year.


ampLIB-logosmampLIB NET

Available for Trial, Production

The ampLIBNet DLL is a .Net interface to the AMPLIB DLL which closely resembles the COM interface. It provides the methods and properties of the IampImage, IampBarcode, and IampMICR interfaces in a single object, and can be used in .Net languages like Visual Basic .NET and C#. To obtain pricing information or a trial license contact .

Download Windows 32-bit version

Download Windows 64-bit version



General Licensing Model

Terms for licensing AMP's software authorize one user and one physical hardware device per software instance. All My Papers applications and demos are a one-time purchase and require runtime licenses. There are no per click fees. Each computer using All My Papers software technology requires a runtime license. The licenses are issued in classes based on feature/function and speed/throughput. Licenses are sold for specific machines and users. AMP uses the "one user, one core" license model. For details, see the License text loaded during the installation of the software.

Deployment Licensing

Each PC/Server using AMP software must have the appropriate runtime license. Deployment Runtime licensing is sold on the basis of features selected for deployment and maximum number of items in a given file. AMP licensing terms authorize one user and one physical hardware device per software. Licensing for single user, single desktop, terminal services or Server licensing available.

One Dimensional and Two Dimensional Barcodes License Seperately

1D and 2D barcode types require seperate runtime licenses. See the list of supported barcode types at the bottom of the description page.

Virtual Machine Licensing Technologies that create virtual environments with either separate machine identities or separate administrative rights are creating virtual OS environments that require the appropriate licensing of any applications configured to run in those virtual OS environments. Virtual processors are considered to have the same number of threads and cores as each physical processor in the underlying physical hardware system. In addition to the standard terms and conditions for the AMP product being licensed, the licensee agrees not to copy or transfer a license to another hardware computer by "cloning", or via any other method, from the single computer that the software was originally licensed for. Contact All My Papers' Sales for a copy of the VM licensing amendment:

License Installation and Error Code 107

The License Manager Software allows the licensing of individual computers via the internet. Evaluation licenses, limited time licenses, feature set and feature upgrades licenses are all supported. An error code 107 indicates a nonexistent or non-valid license codes.

Click here to download the License Manager

Feature Licening

The following licensable feature groups are available for the ampLIB MICR OCR SDK


(No licenses Required) File Load & Decompress

AmpLIB (AmpLIB license only)

IMAGE COMPRESS & SAVE - X9.100-181 & UCD X9.100.187 Compatible Images Image scale & Rotation Bitonal, Grayscale & Color Images OCR A/B (AmpLIB license only) For Reading of Coupon and Remittance Documents

MICR OCR (AmpLIB and MICR OCR licenses required)

MICR Line Detection Reads E13B Font Upside Down Read ABA MICR Line Formats

IMAGE REPAIR/PREP (AmpLIB and Image Repair licenses required)

Find Document Images Skew Correction/Crop Speckle, Streak, Border and Line Removal Morphological Image Filters for Background Removal Laplacian Filters for Improved Edge Detection Dynamic Threshold for Color or Grayscale to B&W Conversion Page Mode to Find and Read Checks on a Remittance Page

CAMERA GROUP (AmpLIB, MICR OCR, Image Repair and Camera licenses required)

Uses Trained Fonts from Camera Based Images such as Cell Phones and Flatbed Scanners Character Level Multiple Engine Voting as Opposed to Line Level Voting Improves Performance of Existing Applications Using AmpLIB MICR OCR with No Code Changes

MICR VERIFY/PARSE (AmpLIB, MICR OCR, Image Repair and MICR Verify licenses required)

Verify Captured MICR Data Parse MICR Data to Field Level (R/T, ON-US, AUX ON-US, etc.)

ADVANCED FUNCTION CALL LIBRARY (AmpLIB, MICR OCR, Image Repair, MICR Verify and Camera licenses required)

AmpReadMicrCamera & AmpReadCamera - Single-Calls that Extract MICR Data & Output Exchange-Compliant Images Combines Many of the Above Processes to Provide Highest Read Rates, Lowest Substitution Rates and Best Possible Throughput


All options are available for single and multi core processors at speeds ranging from 0.5 to 1280 images per second per server. Speed licenses determine the theoretical maximum throughput of an application. Actual performance will vary depending on hardware, image quality, number of functions called and other factors.

Every PC using AMP MCIR OCR software requires a licensed runtime. Runtimes used on single processors are available for distributed applications based on functionality and throughput per the table below.



Image Repair


MICR Verify

Max Read Rate

Class 1





One image per every two (2) seconds.

Class 2





One image per second.

Class 2.5





Three images per second.

Class 3





Five images per second.

Class 4





Ten images per second.

Class 5





Twenty images per second.

 Advanced Option Licenses Processor Models - A baseline executable is available for single process execution at 20 image file accesses per second. Above that speed multi-process executables are available at speeds from 40 to 1280 images per second per server. Multi-Thread - A Multi-Thread version of the SDK is also available. Multi-threading allows assignment of specific sub functions such as de-skewing or MICR extraction to particular processors. Correct?? Speed licenses determine the theoretical maximum throughput of an application. Actual performance will vary depending on hardware, image quality and other factors.

Speed Class

Processor Support

Max Images Per Second

Class 5

Single Processor


Class 6

Multi Processor


Class 7

Multi Processor


Class 8

Multi Processor


Class 9



Class 10

Multi Processor


Class 11

Multi Processor


Please note that "Max images per second" refers to the speed at which images may be accessed. Many operations (such as the ampProcessCameraCheckImages call) require multiple image accesses. The number of image accesses required for a particular task (MICR extraction for example) will vary depending on the quality of the check images. All My Papers will provide temporary licenses so that customers can characterize application performance under a given speed license class.

Contact for more information


White Papers

 Check Deposits Without Check Scanners

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.

Working with Image Cash Letter Files

This white paper is for anyone contemplating working with or implementing a sys­tem that will process Image Cash Letters (ICLs), AKA X9.37 files, and would like to reduce their implementation costs, time, and ongoing maintenance efforts.

Combining Remote Capture and IRD Printing

This white paper discusses a Check 21 Strategy for Community and Regional Banks.



View one of our online videos to help with many of our products and license installations.

The videos on this page provide an interactive overview of the features and functions of the various All My Papers products. These videos are written in Adobe Flash and will open within your browser (you may be prompted to download the Flash plug-in from Adobe if it is not already installed).  Most are smaller than 600KB in size so they will load quickly using a minimum of bandwidth.



  1. X9 LIB - This video details how to use the X9 LIB SDK to convert text and TIFF files to Image Cash Letters in X9.37 format.

Have a question about our products?
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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

• 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.

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