Create Exchange Ready ICL files

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.

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Contact All My Papers to automate check Image Cash Letter (ICL) file processing.