All My Papers Return Document Printing Solutions are Windows™ - based software products used to convert check Image Cash Letter (ICL) files to:

  • Image Replacement Documents (IRDs) in the U.S. that conform to the ANSI X9.100-140:2008 standard and print them as Substitute Checks.
  • Clearing Replacement Documents (CRDs) in Canada (similar to a forward IRD in the U.S) that conform to the Canadian Payments Association Standard 014.

All My Papers IRD Print software rapidly prints accurate Image Replacement Documents Clearing Replacement Documents and Return Replacement documents from ICL files.

The software conforms to ANSI X9.100-140:2008 (mandatory in Nov 2010), with file types X9.37, Universal Companion Document (UCD). UCD 187 (mandatory for exchange with FRB beginning in Sep 2010), and with Canadian Payments Association Standard 015 files.

IRDs and CRDs printed with All My Papers software are in conformance with The Check Clearing Act for the 21st Century (“Check 21”) in the U.S. and with CPA Standard 014 in Canada by meeting the following requirements:

  • Accurately represents all information on the front and back of the original check.
  • Contains the legend “This is a legal copy of your check. It is in fact, a Substitute Check and you can use it the same way you would use the original check.” (U.S. IRDs only)
  • Conforms to applicable industry standards for MICR line formatting.
  • Conforms to industry standards for the physical characteristics of checks.

ANSI X9.100-140:2008 has these differences from the previous standard which are summarized below.

  • Truncating institution’s routing number and business date print order is reversed in the truncator information block.
  • Return Reason Overlay uses abbreviated language and is placed horizontally to limit printing on the check image.
  • Return Reason code is added to the endorsements on the back of the check image.
  • Additional Return Codes are added.

All My Papers has two IRD Printing software solutions

  • X9 VIEWER® with IRD Printing license – Use when viewing the check items, selecting or editing capabilities are required on the ICL files prior to printing IRDs/CRDs.
  • IRD PRINT SDK® -   Use when you want to develop your own custom IRD printing applications or add IRD/CRD printing capabilities to your core banking system software.

IRD Print Functions

  • Prints valid IRDs and CRDs conforming to industry standards from ICL files
  • Easy to use with AMP X9 VIEWER application
  • Software Development Toolkit allows rapid development of custom IRD/CRD printing applications
  • Supports a wide variety of PLC5e compatible duplex laser printers
  • Prints both Forward and Return IRDs as well as CRDs
  • Prints both Normal and Qualified IRDs and CRDs
  • Prints items 1 or 3 up
  • Configurable for sorters and bursters
  • Drives printers at full rated speed


  • Accurate - prints IRDs as legal, negotiable instruments
  • Reliable - used in the largest financial institutions to prints millions of Replacement Documents daily
  • Flexible - works with a wide variety of laser printers
  • Fast - prints up to 1,280 Replacement Documents per minute
  • Scaleable - the same software may be used used to print a few or a million per day
  • Secure –MICR fonts purged from printer after print job
  • Economical – flexible licensing plans

Printer Support

IRD Print supports many types of printers including

  • Specialty IRD printers from companies like the TROY Group
  • A variety of duplex laser printers from companies like Hewlett-Packard, Lexmark, and Ricoh/Hitachi, Xerox and IBM

The printer for printing valid IRDs with AMP software must meet these requirements:

  • Duplex – be able to print front and back information on the same paper
  • Laser – uses laser technology for fusing the toner to the paper
  • MICR Toner – so that automated check sorting machines can read the magnetic information on the bottom of the IRD
  • HP PCL5e compatible – so the AMP page printing layout software accurately places the legal components within the specifications required by the standard.

More Details

Print negotiable IRDs from ICL files via a the X9 Viewer or via your custom application.

Print IRDs from a single workstation or install it on a print server to support up to 63 clients on a network running X9 Viewer or your custom application.  Network traffic is minimized because the check image data is compressed until it arrives at the printer.

All My Papers provides IRD/CRD Print products as either an add-on capability to X9 Viewer as an SDK:

  • Use the SDK to develop your own IRD/CRD Print applications
  • Use the Application along with the X9 Viewer print IRDs and CRDs in both single and multiple workstation environments
  • Use the X9 VIEWER in conjunction with IRD Print services when you need to view, analyze or edit ICL files before printing replacement documents.

Related Standards

Click to view the Standards Page



Minimum System Requirements

  • Operating System

  - Desktop - Windows 7, 8x, 10 - 32/64-Bit

  - Server - Windows Server 2008 and newer

  • CPU: Pentium 4, 2GHZ
  • RAM: Per Operating System Minimums

Input/Output Compatibility

Input File Formats: X9.37/X9.100-187 ICL Files

Output File Formats: ANSI X9.100-140:2008 Forward and Return IRDs for printing

IRD Printer Requirements

Off the shelf

Most duplex laser printers from Hewlett-Packard, Lexmark, and Ricoh/Hitachi, Xerox and IBM that meet the requirements below:

  • Duplex – be able to print front and back information on the same paper
  • Laser – uses laser technology for fusing the toner to the paper
  • MICR Toner - Have available MICR (Magnetic) toner cartridges – Required to produce negotiable IRDs with magnetic information that automated check sorting machines can read
  • HP PCL5e compatible – Ensures proper formatting of printed IRDs so that they conform to the ANSI X9.100-140:2008 standard


IRD printers from companies like the TROY Group



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 trial use (usually 30-days) by contacting 
  • Production Use - When you purchase an All My Papers software license, you will be issued a license enabling it use on one workstation or server.  Licenses come with three years of support and maintenance.


IRD-Print-smlogoIRD Print Application

Available for Demo, Trial, Production

The IRD Print Application is sold only with the X9 VIEWER and the IRD Print SDK and adds IRD Printing capability. 

You may download and tryIRD Print without a license which allows the the printing of IRDs with a "DEMO" watermark.  To obtain pricing, a temporary for evaluation or to purchase a production license and support or just to find out more, information contact

Download IRD Print Application 64-Bit version

Download IRD Print Application 32-Bit version




All My Papers has flexible licensing plans for the IRD Printing solution. The PC that controls the printer must have the appropriate IRD print license installed.


IRD Printing with X9 VIEWER



IRD Printing Client/Server Configurations

Application Licensing Model

General Licensing Model Terms for licensing AMP's software authorize one user and one physical hardware device per software instance. All My Papers applications require annual subscriptions and runtime licenses.

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" license model. For details, see the License text loaded during the installation of the software. Development and Deployment licenses are sold separately so that you can develop and test your application before committing to deployment licensing or hardware.

Virtual Machine Licensing

 The All My Papers VM license enables use of AMP applications in VM environments and is available to new customers.

  • AMP includes VM support for VM environments with static UUIDs such as VMware or Microsoft Hyper-V.  However, installation or configuration support under other VM environments without static UUIDs may be subject to additional installation/configuration support charges.

License Installation and Error Code 107

The License Manager Software facilitates the installation and removal of licenses on individual computers or servers and validates licenses upon installation via the internet. Evaluation licenses, limited time licenses, feature set and feature upgrades licenses are all supported. An error code 107 indicates a missing or invalid license.

Click here for the License Manager Download Page


All options are available 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.

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.






Combining Remote Capture and IRD Printing

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


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.



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.

IRD Printing

  1. IRD Print Configuration - This video explains how to configure your printer to work with the IRD Print software.
  2. IRD Printing - This video explains how to print your IRDs with the All My Papers software.

For questions or to stay up-to-date on our products

Click for our Contact Page


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.

1840 Snake River Road, Suite C
Katy, TX 77449

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FAX:(408) 366-6400

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Last Update August 7, 2017

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