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ANSI X9.100-187-2021/ASC X9 TR 47-2022

Electronic Exchange of Check and Image Data and Universal Companion Document Industry Adoption of X9.100-187 Bundle

This bundle contains the ANSI X9.100-187-2021 Electronic Exchange of Check and Image Data and ASC X9 TR 47-2022 Universal Companion Document Industry Adoption of X9.100-187. The ANSI X9.100-187 standard provides the financial industry with a format necessary to perform electronic check exchange (ECE), with or without images. The format supports forward presentment, posting, return notification, and returns, as well as existing customer information reporting products. The standard also supports multiple check clearing alternatives, e.g., bank-to-bank, bank-to-switch. The ASC X9 TR 47-2022 document clarifies how financial institutions should use the ANSI X9.100-187 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 and 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.

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Accredited Standards Committee, Inc. - Financial Industry Standards [ASCX9]


As the voice of the U.S. standards and conformity assessment system, the American National Standards Institute (ANSI) empowers its members and constituents to strengthen the U.S. marketplace position in the global economy while helping to assure the safety and health of consumers and the protection of the environment.