ANSI Standard X9.100-181 is a specification related to electronic image exchange of check image data.  The scope of this standard is to define specific TIFF fields that can be used and the allowable values for those fields that will support interoperability for check image exchange processing between financial institutions.

This standard only addresses the use of G4 bi-level image (black/white) compressions within the TIFF 6.0 structure.”

Refer to the ANSI site for obtaining a copy of this standard.


Image exchange standards have adopted the TIFF 6.0 specification as the image format scheme. Although TIFF 6.0 is a mature specification it was designed with a lot of flexibility to support a wide range of applications. In addition, many of the TIFF fields are open for different interpretations. This flexibility is producing many different variations of TIFF image formats that many times are incompatible with the TIFF image viewers and image applications that need to process them for check image exchange.

As many new scanning devices and applications are being developed for check imaging, the purpose of this standard is to provide guidance to the financial industry by defining the most commonly supported and least problematic uses of TIFF fields and their values for the exchange of images within the financial industry.

What does this mean for a financial services provider?

It means that there are images being captured and exchanged today that may break (not be able to be viewed, saved, etc.) the various financial institutions’ software payments systems that need to process them. This standard also defines a class of image formats that can now be rejected or returned for reasons of not meeting the required image format standards. These issues can lead to an increase in operational costs for dealing with image format exceptions, and increase a financial institution's risk of losses for both creating and receiving images in wrong formats.

The standard focuses on seven key issues regarding TIFF tags:

  • Multistrip
  • Byte-order
  • Photometric Interpretation
  • Fill Order
  • Orientation
  • Resolutions
  • Private Tags

The standard specifies a minimum set of required tags with rules for the required value contents. The following table summarizes the required tags.




Must be a valid value


Must be a valid value


Only Group4 Fax – T.6

Photometric Interpretation

Image bits of 0 are imaged as white, image bits of 1   are imaged as black


Multi-strip image formats are not allowed


This must equal the “ImageLength” field


Only one image strip allowed


Only 200 or 240 pixels per inch allowed


Only 200 or 240 pixels per inch allowed

Additionally, the standard allows some optional tags which will be up to the discretion of the receiving financial institution to allow them or not. The next table shows these optional tags with the acceptable value:





Multi-page TIFF formats are not allowed


Only Black and White Images allowed


Standard does not allow dithering or half toning of   images


Only TIFF 6.0 default allowed


Normal Portrait Mode (Origin of the image is top left   corner)


Black and White Images only have sample of 1


Only standard CCITT G4 compression allowed



All My Papers has developed the X9 QUALIFIER software application that will test the images contained in X9.37, aka ICL, files for conformance to this new standard. It will also detect non conforming items due to image quality and MICR Mismatch errors. It also detects balancing and file format problems. This can be used in operations to detect X9.37 files for nonconforming images. The complete range of tests that X9 QUALIFIER will perform include:

  • Compliance to X9.100-181
  • Resolution tag values match resolution of the actual image
  • Images can be decompressed
  • Images comply with TIFF 6.0 syntax rules
  • 9.37 file image size data match the actual TIFF image sizes
  • Images are Intel format (Little Endian)
  • X9.37 file has no missing images
  • IQA tests that includes darkness and dimension recommended by ECCHO rules
  • MICR Mismatch errors

For further information about X9 QUALIFIERvisit our X9 QUALIFIER product page

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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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