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 check image cash letter X9.100 187 files. X9.1OO-187 Files go by many different names:
- X9 files
- ICL files
- X9.37 files
- 187 files
- CPA 015 files
X9 VIEWER supports X9/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 Remote Deposit Capture formats.
X9Viewer lets you print Image Replacement Documents (IRDs) and extract check images in TIFF file format from ICL files.
X9 VIEWER can help ensure error-free interoperation with your exchange partners.
- X9 VIEWER supports Canadian Payments Association (CPA) Standard 015 - a companion document to X9.100-187-2008
- New check image cash letter return codes required as of 12/20/2014 under X9.100-187-2013
Supports all industry standard formats
- DSTU X9.37 2003 - Learn more about DSTU X9.37 2003
- X9.100-160-2014 Part 2 - X9.100-160 Part 2 - MICR Line formatting Standard
- 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
- EndPointe Exchange
- 50+ Bank-proprietary Remote Deposit Capture (RDC) 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:
- View check image front & back
- View record and field level textual data
- Support for, X9-100.180 file types
- Analysis of ICL files for its conformance to the respective ANSI Standard
- Printing of IRDs and CRDs
Editor Version - licensed version, all the features of the Viewer/Analysis version, plus:
- Editing of textual data at the record and field level,
- Deleting of bundles, items, records and fields,
- Re-balancing of ICL files,
- Supports advanced search,
- Saving X9 file data as CSV with pointers to check images
- Printing of IRDs and CRDs.
For more information see the diagram below and contact sales at firstname.lastname@example.org.
X9 VIEWER Features Summary & Screen Shots
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 Front & Back of Check Items
View check items front, back or both and then tab to view text
Navigate thru Hierarchical file structure
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
View Record Field Level Detail
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.
Open as... Federal Reserve Bank ICL File and others
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.
Analyze for Conformance
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.
Complex Search and Find
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.
Save as CSV
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
Print Forward and Return IRDs and CRDs
With a properly equipped printer, X9 VIEWER can print ICL files as negotiable Image Replacement Documents (IRDs) in the U.S. or CRDs in Canada
Both Forward and Return files are supported. Either a single item or entire file can be selected for printing.
Edit MICR Lines
Data entry screens let you quickly compare the MICR line of the check image with the textual data of the ICL file and correct questionable or missing MICR data.
Navigation to the next item with questionable date is automatic.
Corrected files can be saved at the end of the process.
Enter or Edit Dollar Amounts
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).
Search for RCC Items
X9 VIEWER's search finction can be used to find RCC items in the currently open ICL file by executing the search show below.
Logging User Information
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.
Support for Record 27 Viewing & Editing
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
License & Version Number
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: Operating System: Windows 7, 8x, 10 – 32/64-Bit
Server: Operating System: Windows Server 2008 and newer
CPU: Pentium 4, 2GHZ
RAM: Per Operating System Minimums
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:
- Support duplex printing (prints on both sides of the paper)
- Have the availability of MICR Toner cartridges - Required to produce negotiable IRDs with magnetic information readable by automated check sorting machines
- Are HP PCL5 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
Evaluation & Production Licenses
All my Papers applications and SDKs are available for evaluation use by qualified customers prior to purchase.
Evaluation Use – To obtain download instructions and a 30-day trial license, please fill-out a software evaluation request.
Production Use – When you purchase an All My Papers product, you will be issued a production license enabling its use in your production environment. Production licenses are purchased with renewable support and maintenance.
For more information, please contact email@example.com or call +1 (408) 366-6400 and press 1 at the prompt.
General Licensing Terms
In general. the licensing policy for All My Papers (AMP) software – authorizes one user and one physical hardware device/computer. The AMP enabling license for a given machine authorizes only that single physical hardware computer.
AMP’s software requires license and product codes for every computer running AMP’s software including production, evaluation, disaster recovery and trial computers. License fees include support and maintenance for a three-year renewable term.
Virtual Machine (VM) Licensing
The All My Paper VM license enables use of AMP applications in one VM environment and is available to new and existing customers. AMP includes 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 such as Amazon’s Could Server may be subject to additional installation/configuration support charges.
For details, see the License text loaded during the installation of the software.
AMP’s applications issues license and product codes for every computer running AMP’s software.
For details, see the License text loaded during the installation of the software.
Workstation licensing for products such as X9 VIEWER or X9 QUALIFIER
All My Papers has evolved various and flexible licensing models for the deployment of the X9 VIEWER and X9 QUALIFIER applications to meet customer demand and requirements.
Because check image cash letter (ICL) files contain sensitive financial data, organizations may want to restrict some users to viewing only and permit other users to edit the check ICL file data. Access to editing may be controlled on a workstation license basis.
Organizations that use Remote Terminal Services (E.g. Remote Desktop, Citrix, etc) can install both the application and the license manager on a Remote Terminal Services server to conveniently provide functionality at any workstation from two 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. Distributed licensing provides functionality for up to 62 users at a time limited by the number of distributed user licenses purchased.
X9 VIEWER & X9 Qualifier Licensing and Deployment Models
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 are Windows-based applications for the viewing, analysis and editing of check Image Cash Letter (ICL/UCD/187/X9.37) files.
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.
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.
Desktop Workstation License
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.
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.
Contact All My Papers
Contact All My Papers to automate check Image Cash Letter (ICL) file processing.