X9 LIB is a suite of software development tools for check Image Cash Letter (ICL) files; also known as X9 files, X9.37 files, 180 files, Universal Companion Document files or UCD files. X9 LIB creates ICL files for exchange and remote deposit in the U.S. and Canada; now supporting over 50 financial institution proprietary RDC file formats.

Supports all industry standard formats

  • DSTU X9.37 2003 - Learn more about DSTU X9.37 2003
  • X9.100-180- Learn More about the X9.100-180 standard
  • X9.100-181 - Visit the ANSI Store
  • X9.100-187 + Unversal Companion Document (UCD) - Learn more about X9.100-187 + UCD
  • Canadian Payments Association (CPA Standard 015) - Learn more about CPA 015
  • FRB
  • ViewPointe
  • EndPointe Exchange
  • 50+ Bank-proprietary Remote Deposit Capture (RDC) formats

With X9 LIB you can:

  • Compose ICL files from from check images, MICR line data and dollar amounts
  • Decompose ICL files back into ICL files check images, MICR line data and dollar amounts


Compose and decompose ICL files


  • Merge multiple ICL files into a single ICL file

X9lib 4

  • Convert between ICL file formats

X9lib 2

  • Sort ICL files by R/T, OnUs, Payor Bank, etc.

X9lib 3

  • Split ICL files depending on destination

X9lib 5


X9 LIB will also let you

  • Edit ICL file records
  • Recalculate cash letter and bundle totals

X9 LIB facilitates the rapid development and deployment of application(s) for dealing with image cash letters including

  • The creation of ICL files for Remote Deposit
  • Routing of check item through the concatenation of ICL files from various sources, then the sorting of the items by payor bank and finally splitting the icl file into multiple ICL files - one for each payor bank.

X9 LIB SDK facilitates rapid deployment of applications for working with ICL files by providing

  • Single function calls that implement often used tasks
  • Sample code that exercises each function in .NET, C#
  • Demo GUI for prototyping calls without coding

More X9 LIB Features

  • Create ICL files using one function call and only three types of data consisting of:
  • Front and back check images
  • MICR data routing and account numbers
  • Check item dollar amounts.

For more information, contact


X9LIB Supports Record 27 for Early Warning's Chek Direct

Organizations with development staffs and programming resources can now employ the All My Papers X9 LIB software development toolkit to modify the 27 record to support the Early Warning Chek Direct process for clearXchange.

The clearXchange system is designed to provide rapid check guarantee and immediate payment. The check itself will be processed via the ICL clearing process.  In order to do this, the Record 27 has been designated by the Early Warning Chek Direct participants to exchange the necessary information by modifying and its content

All My Papers has enhanced its ICL software to support this new format. These changes allow a participant to create, edit and view the custom version of record 27 needed to support Early Warning Chek Direct system.

See an example of a 27 Record as displayed by the All My Papers' X9 Viewer:

Record 27 Support for Early Warning's Chek Direct

For more information about Early Warning, follow this link:

For more information about clearXchange click on this link

Contact for more information.



 Minimum System Requirements

  • Operating System

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

  - Server - Windows Server 2008 through 2016

  • CPU: Pentium 4, 2GHZ
  • RAM: Per Operating System Minimums (additional memory will be required when processing large ICL files)


Input/Output/Conversion Compatibility

Input File Formats: Forward and Return X9.37/X9.100-187/UCD variants including FRB, SVPCO, Endpoint and more then 25 other bank formats, NSF, NSF2, NSFMIT, NSFBLOB, CSV, MAL

Output File Formats: Forward and Return X9.37/X9.100-187/UCD variants including FRB, SVPCO, Endpoint and more then 25 other bank formats. Also, CSV/SIT, CSV/BLOB, SOP, NSF/BLOB, X9.100-180, MAL

NSF - Normalized Scanner Format is a format of All My Papers.

NSF/MIT - Multi-Image TIFF format for NSF files.

For more information on these and other AMP supported file formats, please see the All My Papers publication: AX9Lib NSF Input Formats.



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.


x9LIB-smlogoX9LIB SDK

Available for Trial, Production

X9LIB is a Windows DLL high-level programming system providing a suite of software tools for Image Cash Letter (ICL) files.  X9 LIB includes functions for the composition, conversion, editing, sorting, merging, splitting, recalculating and testing of ICL files.  To obtain pricing information or a trial license contact .

Download X9 LIB SDK 64-Bit version

Download X9 LIB SDK 32-Bit version




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.


White Papers

 Check Deposits Without Check Scanners

Remote Deposit Capture (RDC) has been in use by banks and other financial institutions for some time. What is relatively new for RDC is the capture of checks from camera based devices without hardware magnetic MICR readers.

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.

Combining Remote Capture and IRD Printing

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



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.



  1. X9 LIB - This video details how to use the X9 LIB SDK to convert text and TIFF files to Image Cash Letters in X9.37 format.

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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