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ASC X9 TR-47-2016


Universal Companion Document

The purpose of this, the Universal Companion Document, is to formalize an industry standard for check image exchange using the ANSI X9.100-187 standard format and a compilation of industry best practices. This document is not intended to replace the ANSI X9.100-187 standard, but rather to clarify how financial institutions should use the standard to ensure all necessary and appropriate payment data is exchanged between collecting and paying institutions. The use of this document requires that all image exchange participants obtain, use and adhere to the record and field usage definitions detailed in the ANSI X9.100-187 standard. Users of this document are required to review and be knowledgeable of the full standard to ensure file structure, data, and field specifications are understood and used correctly. This document further defines the specific usage of the ANSI X9.100-187 standard and describes all of the records and fields which contain critical payment data. Based on this usage, it is reasonable to expect that exchange participants will implement file validation practices to ensure that all critical payment data is contained in image exchange files. If a file contains records or fields of critical payment data that do not conform to the usage practices detailed in the standard it is reasonable to expect the paying institution will reject the item or file back to the sending institution as the transaction(s) contained in the file may be unusable/unpostable. Conversely, if a record or field which does not contain critical payment data is populated with incomplete, erroneous, or invalid data it is reasonable to expect these files or items would be accepted and processed.

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