All My Papers X9 QUALIFIER products are available as either a Windows .NET-based application or as an SDK.  Both will test, report and correct check image and MICR issues in Image Cash Letter (ICL) files.

Financial institutions are ramping up the use of files. As ICL Volume goes up, issues with check images scanned and captured with a variety of capture devices and software are causing interoperability and data integrity issues. A production X9.37 file can routinely contain 30,000 check images or more and can be well over a gigabyte in file size. One "bad" item can crash a system.  Receiving and sending financial institutions need to ensure that the check images in the ICL/X9.37 files will comply with conformance standards and guidelines such as the Universal Companion Document (UCD)with regard to TIFF image and MICR quality assurance.


  • Test and Correct to ensure TIFF tags conform to X9.100-181 conformance
  • Make certain that X9.100.187 and Universal Companion Document conformance minimum Image quality levels are met
  • Verify that the MICR data on the check matches the data in the records and fields of the ICL/X9.37/UCD file and optionally make corrections as necessary
  • Validate that the ICL/X9.37/UCD file balances with regard to item and dollar totals

X9 QUALIFIER will test ICL files for

    • MICR mismatch errors Image quality issues
    • Balancing and general ICL formatting issues
    • Conformance to new X9.100-180 Tough TIFF Standard
    • Conformance to check image exchanges tougher testing for check images

X9 QUALIFIER can ensure error-free inter-operation with your exchange partners.


  • Test and provide detail reports of TIFF tag conformance
  • Test and report essential image quality assurance metrics
  • Compare and validate MICR data to check images


  • Perform QA on outgoing ICL files
  • Correct files so that exchange can occur
  • Auto correct non-compliant files prior to exchange


  • Test, report and correct check image files prior to creating ICL/X9.37 files
  • Test for conformance to exchange guidelines for ICLs and printing IRDs
  • Perform quality assurance testing


  • TIFF Quality Assurance
  • Image Quality Assurance
  • MICR Quality Assurance
  • File Quality Assurance
  • Test, Report and Correct check images in X9.37/ICL Files
  • FREE version performs Pass/Fail test on ICL/X9.37 files

There are three versions of X9 QUALIFIER

  • FREE version performs a pass/fail testing for TIFF, limited IQA, and ICL file format.
  • Certifier & Reporter version includes additional Image Quality Assurance (IQA) testing and permits the viewing and reporting in detail of items that fail the tests. An option supports MICR Mismatch testing
  • Corrector and Qualifier version not only analyzes X9.37 files to find non-conforming items, but can also correct files by converting many types of TIFF non-conforming images into conforming images. When Correct File function is chosen, each item from the source file will be analyzed, corrected if needed, and then written out to the specified destination file.

For license and configuration information see the diagram below and contact sales at: for more information.




 Free Version

The free version allows conformance testing to the X9-100-181 standard of the TIFF images in check image cash letter file.  

X9 Qualifier Free Trial Version

Free Version Pass/Fail Report

 X9 Qualifier pass-fail report

 Licensed Versions

Licensed version of X9 Qualifier provide many more tests and reporting.  X9 QUALIFIER performs four types of conformance tests:

  1. TIFF Tag testing
  2. Image Quality
  3. MICR Quality
  4. Overall ICL file integrity for item count and totals

X9 QUALIFIER can be run with a GUI interface or command line driven  

X9 Qualifier GUI

 X9 QUALIFIER Presets and Defaults

X9 QUALIFIER provides pre-configured support for many common ICL file standards and test scenarios (called Presets) as well as allowing configurable default file location settings.

X9 Qualifier presets

X9 Qualifier file location default settings

TIFF Tag Testing

X9 Qualifier showing available tiff tag tests

Image Quality Testing

 X9 Qualifier IQA tests

IQA Test Parameters  

 X9 Qualifier IQA test parameters

MICR & IRD Quality

X9 Qualifier MICR and IRD QA Selection


MICR Mismatch Correction

X9 QUALIFIER can detect and correct the record and field components of check item so the textual data matches the check image for account and check numbers which are frequently wrong or missing in exchanged ICL files.

X9 QUALIFIER MICR mismatch correction

TIFF Tag Correction

X9 QUALIFIER can detect and correct TIFF image tags in and MICR data already embedded within an ICL file as well as testing TIFF image tags in stand-alone image files.

X9 Qualifier TIFF tag correction


X9 QUALIFIER provides extensive reporting and integrates seamlessly with the All My Papers X9 VIEWER

   X9 Qualifier Summary Report

X9 Qualifier XML Summary Report



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



 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 product, you will be issued a permanent license enabling it use on one workstation or server.  Permanent licenses come with one year of support and maintenance releases.  Thereafter, support and access to maintenance releases is 18% of the permanent license cost per year.


qualifierX9 QUALIFIER Application

Available for Demo, Trial, Production

The X9 QUALIFIER, a Windows™.NET application to test, certify, report, correct and qualify the image contents of X9, ICLs to the X9.100.181 ANSI standard. 

You may download and try X9 Qualifier without a license which allows the evaluation of the TIFF files within an ICL file on a go-no-go basis.  Other features including granular reporting and correction of TIFF tags require licensing. To obtain pricing, a temporary for evaluation or to purchase a permanent license and support or just to find out more, information contact

Download X9 Qualifier Application 64-Bit

Download X9 Qualifier Application 32-Bit



 qualifier-smlogoX9 QUALIFIER SDK

Available for Demo (see X9 Qualifier Application Download above), Trial, Production

The X9 QUALIFIER is a Windows .NET software development kit, for testing the data integrity of X9.37 Image Cash Letters to ensure their interoperability in check image exchange.  The X9 Qualifier SDK will test and correct issues with TIFF images within an ICL file.  To obtain pricing information or a trial license contact .

Download X9 Qualifier SDK 64-Bit version

Download X9 Qualifier SDK 32-Bit version




General Licensing Model

Terms for licensing AMP's software authorize one user and one physical hardware device per software instance. All My Papers applications and demos are a one-time purchase and require runtime licenses. There are no per click fees. 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, one core" license model. For details, see the License text loaded during the installation of the software.

Deployment Licensing

Each PC/Server using AMP software must have the appropriate runtime license. Deployment Runtime licensing is sold on the basis of features selected for deployment and maximum number of items in a given file. AMP licensing terms authorize one user and one physical hardware device per software. Licensing for single user, single desktop, terminal services or Server licensing available.

One Dimensional and Two Dimensional Barcodes License Separately

1D and 2D barcode types require separate runtime licenses. See the list of supported barcode types at the bottom of the description page.

Virtual Machine Licensing Technologies that create virtual environments with either separate machine identities or separate administrative rights are creating virtual OS environments that require the appropriate licensing of any applications configured to run in those virtual OS environments. Virtual processors are considered to have the same number of threads and cores as each physical processor in the underlying physical hardware system. In addition to the standard terms and conditions for the AMP product being licensed, the licensee agrees not to copy or transfer a license to another hardware computer by "cloning", or via any other method, from the single computer that the software was originally licensed for. Contact All My Papers' Sales for a copy of the VM licensing amendment:

License Installation and Error Code 107

The License Manager Software allows the licensing of individual computers via the internet. Evaluation licenses, limited time licenses, feature set and feature upgrades licenses are all supported. An error code 107 indicates a nonexistent or non-valid license codes.

Click here to download the License Manager

Feature Licening

The following licensable feature groups are available for the ampLIB MICR OCR SDK


(No licenses Required) File Load & Decompress

AmpLIB (AmpLIB license only)

IMAGE COMPRESS & SAVE - X9.100-181 & UCD X9.100.187 Compatible Images Image scale & Rotation Bitonal, Grayscale & Color Images OCR A/B (AmpLIB license only) For Reading of Coupon and Remittance Documents

MICR OCR (AmpLIB and MICR OCR licenses required)

MICR Line Detection Reads E13B Font Upside Down Read ABA MICR Line Formats

IMAGE REPAIR/PREP (AmpLIB and Image Repair licenses required)

Find Document Images Skew Correction/Crop Speckle, Streak, Border and Line Removal Morphological Image Filters for Background Removal Laplacian Filters for Improved Edge Detection Dynamic Threshold for Color or Grayscale to B&W Conversion Page Mode to Find and Read Checks on a Remittance Page

CAMERA GROUP (AmpLIB, MICR OCR, Image Repair and Camera licenses required)

Uses Trained Fonts from Camera Based Images such as Cell Phones and Flatbed Scanners Character Level Multiple Engine Voting as Opposed to Line Level Voting Improves Performance of Existing Applications Using AmpLIB MICR OCR with No Code Changes

MICR VERIFY/PARSE (AmpLIB, MICR OCR, Image Repair and MICR Verify licenses required)

Verify Captured MICR Data Parse MICR Data to Field Level (R/T, ON-US, AUX ON-US, etc.)

ADVANCED FUNCTION CALL LIBRARY (AmpLIB, MICR OCR, Image Repair, MICR Verify and Camera licenses required)

AmpReadMicrCamera & AmpReadCamera - Single-Calls that Extract MICR Data & Output Exchange-Compliant Images Combines Many of the Above Processes to Provide Highest Read Rates, Lowest Substitution Rates and Best Possible Throughput


All options are available for single and multi core processors 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.



Image Repair


MICR Verify

Max Read Rate

Class 1





One image per every two (2) seconds.

Class 2





One image per second.

Class 2.5





Three images per second.

Class 3





Five images per second.

Class 4





Ten images per second.

Class 5





Twenty images per second.

 Advanced Option Licenses Processor Models - A baseline executable is available for single process execution at 20 image file accesses per second. Above that speed multi-process executables are available at speeds from 40 to 1280 images per second per server. Multi-Thread - A Multi-Thread version of the SDK is also available. Multi-threading allows assignment of specific sub functions such as de-skewing or MICR extraction to particular processors. Correct?? Speed licenses determine the theoretical maximum throughput of an application. Actual performance will vary depending on hardware, image quality and other factors.

Speed Class

Processor Support

Max Images Per Second

Class 5

Single Processor


Class 6

Multi Processor


Class 7

Multi Processor


Class 8

Multi Processor


Class 9



Class 10

Multi Processor


Class 11

Multi Processor


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


White Papers

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.


Ramifications of MICR Mis-Match in Check Image Exchange

This white paper discusses the issue of data errors made during the check truncation and exchange process and the privacy and operational risks this creates to the financial institutions involved in Check 21 check clearing





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.

X9 Qualifier

  1. X9 QUALIFIER Features and Reporting Options - This video covers the features of X9 Qualifier, describes the differences between the free and licensed versions of X9 Qualifier and lets you explore the various reporting options available in the application.
  2. Using X9 QUALIFIER Presets - This video demonstrates how to use X9 Qualifier presets to select from a variety of industry standard test sets to use in qualifying ICL files.  You will also learn how to customize these test sets and save them for easy reuse.
  3. Correcting TIFF Files using X9 Qualifier - This video demonstrates how to use X9 Qualifier correct errors in TIFF images within ICL files as well as stand-alone TIFF image files.

  4. Correcting Stand-Alone TIFF Files using X9 Qualifier - This video demonstrates how to use X9 Qualifier correct errors in stand-alone TIFF image files.

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.

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Last Update August 7, 2017

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