What is X9.100-180?
X9.100-180 is the standard format that establishes the file sequences, record types, and field formats for use in the electronic exchange of check MICR lines, associated check processing, and check images in the form of cash letters. It does not address operational, implementation, or settlement issues. It includes, but is not limited to: data and image compression, encryption, transmission specifications, and data representation.
What is its purpose?
The purpose of this standard is to provide a structure to facilitate the electronic exchange of check-related data and images for the purposes of forward presentment, return item notification, and returns. Part of this standard is a list of tests to ensure the quality and usability of check images.
What is meant by "quality" of images?
Quality of images refers to how accurately the image compares to the original check. Potential problems are: missing fields, partial images, contrast and brightness issues, and excessive skew. Depending on the severity of the problem , any of these may cause an item to be rejected.
Why is image quality important?
Image quality is important because once a check is truncated, these electronic images are the only source of information about the transaction. Without usable images, transactions cannot be completed or proven in disputes.
What is the difference between X9.37 and X9.100-180?
Since banks began routing the files across image exchange network in 2004, they have used the X9.37 standard to format the data. However, that standard is just a draft that is being phased out in favor of a permanent one known as X9.100-180. X9.100-180 contains additional record files and some minor modifications of the X9 standard
When did these standards go into effect?
X9.37 went into effect on October 28, 2004 with the Check Clearing for the 21st Century Act. X9.100-180 went into effect on April 15, 2006 and will supersede X9.37 completely over the next few years.
