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

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 All Products support industry-standard formats


Recent Articles

Low-Cost Solutions for RDC Lockbox

Now, process checks, payment coupons and remittance documents with one pass scanning using any scanner at a low fixed cost.  All My Checks is a Windows software application that has a new option called All My Coupons using components of the AMPLIB SDK.NET. With the All My Coupons option, you can now have fast and accurate check and payment coupon detection, reading and extraction with reasonable licensing costs.

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Creating Exchange Ready ICL Files With The X9LIB SDK

Creating Exchange Ready ICL Files With The X9LIB SDK

Organizations with development staffs and programming resources can now employ the All My Papers X9 LIB software development toolkit to capture checks from any type of scanner and then turn the check images and associated data into image cash letter (ICL) files for exchange with financial institutions. In order to successfully turn check images and data into ICL files that will exchange with your bank, care must be taken to ensure that the check images are ready for exchange and that the output ICL file format meets the specific requirement of your exchange partner.

Composing Image Cash Letters

The X9 LIB SDK allows groups of conformant check images to be combined with MICR line and dollar amount data for each item into a fully formed Image Cash Letter (ICL) File ready for exchange with banks and other financial organizations.

Compose an Image Cash Letter

The MICR line data and dollar amounts for this process can come from an upstream capture process or be extracted from the check images themselves using a companion SDK from All My Papers called ampLIB MICR OCR SDK

Bank-Specific ICL File Formats

While there are just a few standard ICL file formats for interbank exchange of check items, there are currently more than 50 bank-specific ICL format variations in use by U.S. and Canadian banks for Merchant and Remote Deposit Capture applications. Therefore, it is imperative that you obtain and understand your bank’s Remote Deposit or Merchant Capture companion document before embarking on your development program. The X9 LIB SDK can support any of these formats. However, the specifics of your Bank’s requirements must be known in order to properly configure your software calls.

Check Image Quality Requirements

Before a check image may be incorporated into an ICL file, you must ensure that it meets all of the image QA requirements of ANSI X9.100-181 commonly known as the Tough Tiff standard.

Capturing Quality Check Images

In order to ensure that a check image will meet the requirements of ANSI X9.100-181, care must be taken in the capture and handling of the check image.

Software can try to compensate for poor quality captured images. All My Papers has software that can resolve multiple issues and turn many poor quality check images into exchange ready conforming images. However, by starting with the best image you can capture on your device, you will garner benefits including:

  • Faster throughput
  • More accurate MICR OCR
  • More reliable CAR/LAR (recognition of the numeric and written amount of the check)
  • Fewer items returned for non-conformance with exchange requirements
  • Fewer image retakes
  • Higher customer satisfaction

All My Papers has developed a Best Practices for Check Image Capture guide so you and your end users can capture the best check images with a variety of scanner and camera devices.

Double-check the Quality of your Check Images

Finally, to ensure that your image indeed meets all the applicable standards, the images should be processed by an image QA software such as All My Paper’s X9 Qualifier (link to ) .

For more information, contact All My Papers sales:

CRD Print Standard

The Canadian Payments Association has implemented Standard 014 defining how Canadain Replacement Docuemnts (CRDs) will be printed and how the source files used to convert CRs to paper are constructed and formatted.

All My Papers IRD Print software prints accurate Canadian Replacement Documents from Image Cash Letter (ICL) files.

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ampLIB OCR A/B Example

Remittance coupons are often used by payment processors to link a received check with a particular account or invoice. If you application requires this, the AmpLIB MICR OCR SDK can read the OCR-A and OCR-B commonly used on remittance coupons for account encoding.

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Create Canadian Cheque ICL Files for RDC

Now Indirect Clearing Banks can use the All My Checks, a ready-to-run application, to minimize operational costs and increase accuracy.

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X9 VIEWER supports new X9 Standard  EPC-6 Code

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For questions or to stay up-to-date on 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

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 and CRDs

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 and CRDs
• 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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Last Update November 20, 2015

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