Two standards were implemented by the major exchanges in the fall of 2010. These standards affect how IRDs will be printed and how the source files used to convert IRDs to paper are constructed and formatted.

The newest release of All My Papers IRD Print® software prints accurate Image Replacement Documents (substitute checks) from Image Cash Letter (ICL) files.

See product page IRD Product Page

The software conforms to ANSI X9.100-140:2008, which becomes a mandatory standard in November 2010.

In addition to a new print format, a new file format will also be required in September 2010.  See Converting X9.37 Image Cash Letter Files to Universal Companion Document (UCD) FilesConverting X9.37 Image Cash Letter Files to Universal Companion Document (UCD) Files

What is an IRD?

An Image Replacement Document (IRD) is a substitute paper equivalent of an electronic check from an ICL file. It may be used as the legal equivalent of the original check.

Any printer can print output that looks like an IRD, but not all printers can print a valid IRD. If an IRD is not printed to the exact standards, then it may be rejected by the receiving institution, which would deny funds. Therefore, it is extremely important to employ technology that can ensure accurate printing of valid IRDs.

How IRDs Are Created?

Image Cash Letter (ICL) files consist of check images and associated textual data. ICL items can be printed as IRDs with the proper software.

What Does an IRD Look Like?

Printing items for forward presentment, or return items for re-presentment, requires IRD software that will properly format the check image and associated data as shown in the example Return IRD below.

Why Do I Need IRDs?

An IRD is used whenever an electronic check image needs to be converted to a traditional paper check equivalent for the clearing process.

Exception Processing

Each day more and more paper checks are scanned and processed with Check 21 imaging solutions, and converted into electronic items within ICL files. There will be exceptions when the processing of one or more items cannot continue as electronic items.

Non-image enabled financial organizations require IRDs to process electronic checks through their paper check system.

Sometimes one or two items in an ICL are not valid and must be separated and handled as paper. If these items can be separated from the cash letter, then the balance of the items in the electronic ICL file can be sent on through the presentment chain, preserving work flow and meeting processing time windows.

Return items that have been imaged, but now need to be processed or represented as paper, can be converted to IRDs. These return items will have the reasons for the return printed on the IRD.

Statement processing and advice letters need to include a check image. An IRD can be used for those instances.

All MY Papers X9 VIEWER® Software allows you to view, select, print as IRD, then delete from the ICL. The X9 VIEWER software will rebalance the remaining items in the ICL file.

Differences in IRDS from 2004 to 2008 Standard

ANSI X9.100-140:2008 has these differences from the previous standard.

  • Front of IRD - Return Reason Overlay uses abbreviated language and is placed horizontally to limit printing on the check image as shown below
  • Front of IRD - Truncating Bank Information Lines are reversed as shown below
  • Back of IRD - Printed Return Reason Code is added to the endorsements block

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

ampLIB-logosmX9 Exception Manager

• Increase transaction throughput
• Enable Check 21 processing for legacy systems
• Acheive improved float management

x9LIB-smlogoampLIB MICR OCR SDK 

• 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
• Build Remotely Created Checks
  - 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

x9ImageClearing-smlogoX9 Returns
• Imports ICL files into SQL database
• Supports 50+ ICL formats
• Return item research & sorting
• Browser-based user interface



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 August 7, 2017

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