View, Analyze, Edit ICL Files

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.




X9.100-187 files go by many names

  • X9 files
  • Check Image Cash Letter (ICL) files
  • 9.37 files
  • CPA 015 files
  • 187 files

And many other variants

X9.100-187 files are complex data files that contain two data elements:

  1. Check images in TIFF file format
  2. Textual data in records and fields formatted in hierarchical structure



X9 VIEWER is a Windows utility that allows viewing & editing of X9.100-187 files. Some of its primary functions are:

  • 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

Learn More...

X9 Viewer Supports WFB

All My Papers (AMP) has added new capabilities to AMP’s suite of X9 VIEWER software products to work with Wells Fargo Bank’s (WFB) proprietary remote deposit files. X9 VIEWER now has the ability to view, edit and analyze, the Wells Fargo Bank RDC X937/ICL file format. Wells Fargo employees will use this software tool to analyze and qualify new RDC customers’ deposit files.

Users, with the X9 VIEWER/Editor license can open and analyze WFB RDC files for conformance to WFB’s requirements. If there are any non-conforming items in the check image cash letter (ICL) file the viewer will highlight those items in red and provide a description of the error(s). These errors can be rapidly corrected and then a new corrected file resent to WFB for a shortened and more efficient approval process for Remote Deposit Capture.

  • X9 VIEWER/Editor enhancements for the WFB format includes:
  • Addition of Credit Record 61 & User Record 68
  • User Record support in the first 8 fields of Record
  • Editing and saving of WFB files
  • View and Analysis of the WFB file format
  • Validation of internal WFB records

Learn Even More...

 View, analyze and edit CPA 015 files

Canadian Banks can now open, view, analyze for conformance and edit cash letter files based on Canadian Payments Association CPA 015 with AMP’s X9 VIEWER. This is a Windows software application that displays both the cheque images and the details of the Records and Fields.

All My Papers (AMP) has long worked with the ANSI X9.100-187-2008 “Specifications for Electronic Exchange of cheque and Image Data – Domestic” and has added new capabilities to its full suite of software products in order to work with Canadian cheque image files and the new Canadian Payments Association (CPA) Standard 015. CPA 015 which is a companion document to the ANSI X9.100-187-2008 standard.

Canadian Banks can now open, view, and analyze for conformance cash letter files based on CPA 015 with AMP’s X9 VIEWER.


AMP X9 VIEWER software can also print a Canadian Replacement Document (CRD) that conforms to the CPA Standard 014 with the printing license enabled. This software can be used by Canadian Banks today.


An Image cash letter containing Canadian cheque images can be sent by Canadian based financial intuitions within Canada electronically for CRD printing. No longer are courier services required for sending paper cheques.

Canada is adopting rules and policies for clearing cheque images. One of the new rules, recently adopted, allows for the conversion of an image of a Canadian cheque to a Canadian Clearing Replacement Document (CRD). This new paper document can then be processed as if it were the original cheque. A CRD is similar to the American IRD or substitute cheque.

AMP has tools to create the cheque Image Capture Payment (ICP) file for Canadian cheque images and for printing CRDs

This means you can now image a Canadian cheque, send the cheque image electronically and then the Canadian financial institution can then convert that cheque image file to CRD paper for processing locally.

To create the ICP file you will need the AMP software tools. With the cheque images, MICR data, and dollar amounts, AMP software creates the ICP file.

Once the ICP file has been sent electronically, AMP has solutions for converting this data to a printed CRD.

Interactively, X9 Viewer with printing license will open up the ICP and allow you to print all or some of the items on PCL5e compatible, duplex printer with MICR toner.

All My Papers Software Benefits

  • Reduce Time/Costs of cheque Deposit Processing For Canadian cheques
  • No need to courier paper Canadian cheques, now send them electronically
  • Ready to run application, no programming required OR SDKs for closer integration

Contact All My Papers
Contact All My Papers to automate check Image Cash Letter (ICL) file processing.