By using the Payology Check Scanning SDK, developers can enable 2-D barcode extraction. This feature automatically locates barcodes within checks, remittance advices, or donor forms, performs an analysis of the barcode type, and provides the type and the extracted barcode data within a JSON response.

Customers utilizing the Payology Check Scanning SDK can choose to extract the routing number, account number, and amount from a check, and utilize the data to execute ACH debits.

An API is a system of tools and resources that enables developers to create software applications. offers three API solutions which include the Payment Gateway, Payology Mobile Check Capture API, and Check Verification API.

A cashier's check is a check guaranteed by a bank and drawn on the bank's funds. Cashier's checks are treated as guaranteed funds because the bank is responsible for paying the amount. Cashier's checks can be scanned using Payology Check Scanning and transmitted and debited using the Payment Gateway.

A certified check is a personal check written by an account holder, drawn on the holder’s account, and guaranteed by the bank. Money Orders and Cashier's Checks are types of Certified Checks which can be scanned and transmitted to a financial institution using Payology solutions.

The Check Clearing for the 21st Century Act (Check 21 Act) is a United States federal law that was enacted on October 28, 2003, by the 108th U.S. Congress. The law allows the recipient of a physical paper check to create a digital version of the original check. Check 21 eliminated the need for further handling of the physical document.

The Payology Mobile Check Capture API contains a library of code that provides check capture functionality, OCR conversion, MICR and barcode extraction. In addition to the capture options, developers can also use the Mobile Check Capture API to virtually endorse check items captured.

The Payology Mobile Check Capture API detects a physical check on a letter-sized scanned or captured image. Upon detection, the API rotates and crops the item and provides the cropped image in TIFF and JPG formats within the JSON response.

Physical checks can be captured using flatbed check scanners. Upon capture, the check is transmitted to the Payology Mobile Check Capture API. The check is then cropped and its data extracted.

The MICR line, a row of data which includes account number, routing number, check number, and at times, amount, found on the bottom of a check is captured, extracted, and transmitted in a JSON response to the client upon API submission.

OCR is the recognition of printed or written text characters by a computer. Specifically, the technology is used to capture and extract payee data, MICR data, and amount information.

Upon check scanning, the JSON response returned includes the payee’s name and address. This information, along with routing and account numbers can be utilized to match check payees to contacts within the client CRM platform, further streamlining the accounts receivables process.

Similar to Virtual Endorsement, the Physical Endorsement feature allows developers to utilize a check scanner’s printer capability to print data points on the front or rear image of a check. Generally, a transaction ID, batch number, and/or date are printed on the check(s).

Remittance Advice, a type of deposit slip, commonly contains legible contact IDs, invoice IDs, and/or Financial Account IDs. The IDs can be found in MICR or barcode format, and are captured and extracted with a corresponding check item upon scanning.

Physical checks items can be captured using smartphone cameras. Upon capture, the check is transmitted to the Payology Mobile Check Capture API. The check is then rotated, cropped, and its data extracted.

Usability Testing protocols search each physical check scanned for signature, endorsement, legal amount, courtesy amount, and more. When using the Payology Check Scanning SDK, all usability test results are provided upon scanning within a JSON response. Integrity, pay to the order of name, payee name, are additional tests that may be utilized.

Virtual Endorsements are several lines of data embossed digitally on the rear of a scanned check image. The data typically includes company name, bank routing number, and bank account number. Specifically, with the Payology Check Scanning and Mobile Check Capture solutions, these endorsements can be customized by clients.

Payology Check Scanning for Salesforce is custom-tailored for wholesalers and retailers. This solution allows users to scan checks and remittance advice, match payees to contacts, allocate funds to open invoices or credit memos, and create cash receipts automatically.

X9.37 is a file format that contains check images, deposit ticket images, and corresponding debit and deposit data. This file is utilized to transfer physical check images (Check 21) from one institution to another.