X9 VIEWER lets you view data and check images as well as analyze, edit and perform data entry and correction of dollar amount and MICR line data in ICL files. X9 VIEWER supports ICL file variants of all of the major exchanges in the U.S. and Canada as well as those of the over 50 bank-proprietary RDC formats. X9Viewer lets you print IRDs and extract check images in TIFF file format from ICL files.
X9 VIEWER can help ensure error-free interoperation with your exchange partners. Financial institutions are ramping up production volume of Image Cash Letters (ICLs). 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 stop the reception, transmission, or processing of a multi-million dollar Image Cash Letter.
Supports all industry standard formats
• Saves time by combining check image and text viewing/editing in a single window
• Maximizes efficiency by supporting many ICL variants
• Improves accuracy by automatically rebalancing totals and item counts after edits
• Provides convenient text file import and export for integration with legacy applications
• Analyzes and highlights errors in ICL files
• Limits edit access to ICL files via software license
• Provides command line control for programmatic access
• May be called from an external process to generate an issues report file or to create a new file by using selection rules from the command line
• Complete or correct data in forward and return ICL files
• Generate test data
• Accelerate ICL qualification process
• Research items and issues in ICL files
• View check images from a variety of ICL formats
• View textual information in Records and Fields
• Analyze textual information for syntactical conformance to standards and companion documents
• Edit Record and Field data and auto rebalance totals
• Search, find and select data
• Print IRDs
• Secure logging and audit feature tracks users and changes to ICL files
Viewer/Analysis Version - licensed version allows:
Editor Version - licensed version, all the features of the Viewer/Analysis version, plus:
X9 VIEWER Features Summary & Screen Shots
The free version allow viewing of front side check images within within and ICL file containing fewer than 10,000 items
Licensed versions of X9 VIEWER Provide many more features including detailed viewing of check images, editing functions, analysis of files for conformance with standards and optional IRD Printing.
View check items front, back or both and then tab to view text
Image Cash Letter Files contain textual information structured in a hierarchical format.
The X9 VIEWER allows for easy and intuitive navigation through cash letters, bundles, items, records and fields
Tab between check images and textual details
Each check item has associated textual records. The records have field level data
Navigate, view and edit the detail fields for each item and record.
MICR data, dollar amounts and other details can be edited and changed with editing license.
X9 VIEWER can open a variety of ICL file formats including those required by the Federal Reserve, Canadian Payments Association 015, Royal Bank of Canada and other check image exchanges such as SVPCO, Viewpoint Endpoint, etc. In addition, the proprietary Remote Deposit Capture file formats of many financial institutions including Well Fargo are also supported.
X9 VIEWER analyzes ICL files for conformance to check image exchange standards.
Syntactical conformance is checked to ensure proper use of numeric vs. alpha data as well as field length
Each field is analyzed and errors are reported in the bottom panel
Errors are displayed using the terminology and descriptions specified by the Federal Reserve
After editing, the corrected file may be saved.
X9 VIEWER can perform fast complex searches on various records and data fields
Items can be searched for dollar amount, account number, dollar value, etc.
X9 VIEWER can disassemble and save the contents of an ICL file, splitting the data contained into:
Exchange-Rady front and back check images
Textual data as a CSV file for import into other applications. The CSV file will also contain the path of the associated check image files
With the optional IRD Print license and a properly equipped printer, X9 VIEWER can print ICL files as negotiable Image Replacement Documents (IRDs) or Substitute Checks
Both Forward and Return files are supported. Either a single item or entire file can be chosen for printing.
X9 VIEWER can display the check item and hig
hlight questionable or missing MICR data so that an operator can quickly make corrections.
Navigation is automatic to the next item that may have an issue.
Corrected files can be saved at the end of the process.
With the optional data entry license, X9 VIEWER can display the check item, highlight the questionable or missing dollar amounts so an operator can quickly enter the corrected amounts.
After corrected values have been entered, amount totals and item counts within the file are rebalanced automatically when the corrected file saved
The header record view now displays the number of RCC items in the currently open ICL file as well as the number of items with non-conformant check images (shown as n/c count in the illustration below).
X9 VIEWER's search finction can be used to find RCC items in the currently open ICL file by executing the search show below.
X9 VIEWER works with your security systems. Each operator's transaction and file access is documented and logged. A debug mode is also available to aid with AMP support.
When analysis is turned on some analysis functions can be disabled for better operator interaction.
The All My Papers X9 Viewer allows the editing and viewing of records and fields in check image cash letter (ICL) files.
The Early Warning group has rolled out a new network to support peer to peer (P2P) real time payments for its members who sign up for the clearXchange Network. Chek Direct is the process that allows this payment process to work by modifying and customizing the 27 Record.
All My Paper X9 Viewer supports the viewing and editing of Record 27 as shown below:
For more information about Early Warning, follow this link: https://www.earlywarning.com/index.html
For more information about clearXchange click on this link http://www.clearxchange.com
X9 VIEWER is being continuously improved for features and compatibility. Use this screen to verify which licenses are enabled and compare your version to the latest version posted on the web.
Minimum System Requirements - Desktop - Windows 7, 8x, 10 - 32/64-Bit - Server - Windows Server 2008 and newer
Minimum System Requirements
- Desktop - Windows 7, 8x, 10 - 32/64-Bit
- Server - Windows Server 2008 and newer
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
Most duplex printing, black and white laser printers including those from from Hewlett-Packard, Lexmark, and Ricoh/Hitachi, Xerox and IBM, Your printer must:
IRD printers from companies like the TROY Group
All my Papers software is available for download for trial and production use and in some cases, demo use.
Available for Demo, Trial, Production
The X9 VIEWER Application --a .NET application to view and edit the contents of X9.37, Image Cash Letter Files and find conformance errors relative to various industry standards including X9.37 DSTU-2003, X9 100.180, X9100.181, Canadian 015 as well as over 25 bank proprietary remote deposit capture standards. Optional data entry features let you quickly find checks with malformed MICR lines and missing dollar amounts and edit these fields while viewing the check image.
You may download and try X9 VIEWER without a license which allows the viewing of check images within your ICL files. Other features require licensing. To obtain pricing, a temporary for evaluation or to purchase a production license and support or just to find out more, information contact
Available for Demo, Trial, Production
The IRD Print Application is sold with the X9 VIEWER 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
All My Papers has evolved various and flexible licensing models for the deployment of the X9 VIEWER application to meet customer demand and requirements.
X9 VIEWER is a Windows-based application for the viewing, analysis and editing of check Image Cash Letter (ICL/UCD/187/X9.37) files and rapid data-entry and correction of MICR data and dollar amounts.
Because check image cash letters contain sensitive financial data, organizations may want to restrict some users to viewing only and permit others users to edit the check ICL file data. Access to editing and data entry functions may be controlled on a workstation license basis.
The X9 VIEWER can be also be licensed to work with ICL files with fewer than 10,000 items or with any number of items per file.
ICL file size can approach the 2GB limit and contain over 40,000 check items and images. The X9 Viewer can efficiently access files located on other network resources but is most efficient if the ICL file is on the same hard disk as the application.
X9 Viewer can be purchased and installed on individual desktop workstations. This is the standard license.
Organizations that use Remote Terminal Services (E.g. Remote Desktop, Citrix) can install both the VIEWER and the license manager on a Remote Terminal Services server to conveniently provide Viewing or Viewing/Editing at any workstation from one to 62 users at a time limited only by the number of concurrent user licenses purchased.
Similar to Server Licensing described above but used when AMP applications are installed locally on workstations and licensing is provided from a server. Provides Viewing or Viewing/Editing at any workstation for up to 62 users at a time limited by the number of concurrent user licenses purchased.
Licensing Model ->
Number of users
1-62 Per License Server
1-62 Per License Server
2 GB Memory
Terminal Services Server - moderate to heavy depending on number of concurrent users. (1-2 GB memory per active user)
License Server: Minimal – PC/server used only to administer licensing
Client: 2 GB Memory
Yes (Requires additional license)
Yes (Notes 1)
Yes (Requires additional license)
Yes (note 2)
Issued to Terminal Services sessions as needed.
Issued to workstations as needed
Applications installed on and execute from
Terminal services server
Limit certain users to view only features
Install appropriate version of X9 VIEWER on user's workstation
Use separate license servers for view only and view/edit versions.
Mixed Viewer, Viewer/Editor and/or Viewer DE deployments
Select on a per workstation basis at install time
Each instance of license server can support one version of viewer. To mix within a network, you will need one license server per Viewer version
Mixed Server and Distributed deployments
Applications can be installed on workstations
Applications can also be installed on License Server and other Servers
Administrative rights required to install
Workstations, Terminal Services and/or VM sessions must all have read/write permissions to access small semaphore files used in server and distributed licensing models
The Whitepapers linked below may aid in understanding the range of applications for the X9 Viewer.
Download this white paper if you contemplate 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.
Download this white paper to read about Check 21 Strategies for Community and Regional Banks.
All My Checks™
• Extract MICR data accurately
• Format check images for exchange
• Create ICL files for exchange or RDC
• Ready to run software application
• Increase transaction throughput
• Enable Check 21 processing for legacy systems
• Acheive improved float management
• Process check images
From Phones, Cameras, Scanners
• Extract MICR data from check images
• Format check images for exchange
• Fast programming with single call implementation
• 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
• Detect non-conforming TIFF tags
• Correct TIFF Tags
• Detect MICR Mis-Match
• Image IQA
• Create ICL Files
• Format ICL Files
• Save as CSV Files
• Sort & Merge ICL Files
• Conforms to latest standard
• Prints Negotiable IRDs and CRDs
• Works with many printers
• Prints one item or the entire ICL file
X9 Image Clearing
• Check Archive
• Duplicate Detection
• Research Check Items
• Forward & Return Clearing
• 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.