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.




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
  • X9.100-180
  • X9.100-181
  • X9.100-187 + Unversal Companion Document (UCD)
  • Canadian Payments Association (CPA Standard 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

  • Modify 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 sales@allmypapers.com

Check Image Quality Issues

Check Image Quality Issues

Image Cash Letters contain images of checks and other items. The properties and attributes of the image can seriously impact the capability of the software application to “read” the file. Some of the things that can cause a file to crash a software system, to not open, or to not be accepted are:

No check image (the DSTU X9.37 – 2003 standard does not require an image)
Compression is not Group 4
Wrong type of TIFF (Tagged Image File Format) image (there are over 50 types)
Multiple Stripe TIFF images instead of single stripe images
Resolution other than the 200-240 dpi generally expected
Resolution misinformation can affect image dimension attributes
Byte Order [a sequence of bytes is stored in a computer’s memory. In a big-endian system, the most significant value in the sequence is stored at the lowest storage address (i.e., first). In a little-endian system, the least significant value in the sequence is stored first.]
Not a black and white image (grayscale or color)
Tag information is wrong or missing
Compressed image file does not meet requirements (either too small or too big)
Image orientation is wrong
Wrong image (front and back check images reversed)
Not a check image (deposit slip, batch header, IRD, etc.)
Fill order not one – How the bits in a byte are filled
Sub file not one – Single TIFF image per TIFF file
This is just a partial list of things that can go wrong. Any one of them can stop the process. All My Papers software will detect these problems before they can crash your system.

Chek Direct Support

X9LIB Supports Record 27 for Early Warning's Chek Direct

X9 LIB SDK supports modification of 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 ICL software including X9LIB supports this 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: https://www.earlywarning.com/index.html

For more information about clearXchange click on this link http://www.clearxchange.com

Contact sales@allmypapers.com for more information.

X9 Tools

X9 Tools

X9 Tools is a convenient way to create, edit, disassemble, repair, translate, and qualify files that follow the ANSI X9.100-187. These files are commonly called Image Cash Letters (ICL).

X9 Tools (via the SDK) allows all the functionality of AX9Lib to be accessed through the graphical user interface (GUI) as well as in script/batch file mode using command line processing.

A series of scripts can be run to accomplish the major ICL processing functions.




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/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.


Request Evaluation

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 sales@allmypapers.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.

Software Development Tool-Kit (SDK) Licensing

AMP delivers three licenses when an SDK license is purchased. These are normally deployed as: development, test and disaster recovery. Every computer running an application developed with the SDK requires a runtime. In addition to the SDK purchase, at least one additional runtime license must be purchased for production.

SDK Deployment Runtime Licensing

Each PC/Server using AMP software must have the appropriate runtime license. Deployment Runtime licensing is sold based on features selected for deployment and maximum processing speed of the application or file size limitations. AMP licensing terms authorize one user and one physical hardware device per software instance.

AMPLIB Speed Licensing Options

Runtime licenses are available for 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.

X9LIB File Size Licensing Options

Runtime licenses are available based on the maximum number of check items in any given check image cash letter file. There are three file size limitations: Less than 5,000 items or less than 10,000 items or greater than 10,000 items.


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.

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