X9.37 Consulting Services


X9.37 Specifications and References





X9.37 References

X9.37 FRB

FRB (Federal Reserve Bank) Adoption of X9.37 DSTU (*).

The FRB limits the scope of the x9.37-dstu-2003, and these are the rules for x9.37 files going or coming from the frb banks.

Universal Companion Document (Current) This document was intended to limit some of the flexibility of the x9.37 standard that complicates exchange.
UCD-Industry Adoption of X9.100-187-2008

Version 1.0. VPUG (Viewpointe Users Group) has adopted this latest revision to the x9.37 standard and will start using it sometime in 2010. (press release)   Viewpointe's code will handle all the standards, as should SVPCO's. Since Viewpointe's exchange rules are laid out in this document, it is redundant that they accept it.

x9.100-187-2008 is the latest revision to the x9.37 standard (By Check Image Central). Note: the Header Record - "Standard Level" field still remains type 03, which translates to "x9.37-2003"). The UCD flag also remains "1".

TR_100-2006 ASC X9 TR 100-2006 : Organization of Standards for Paper-based and Image-based Payments. Available at x9.org. The interesting thing about this standard, is that it mostly points to other standards. It does show the anatomy of a check.
MO:DCA MO:DCA format files are used for image exchange.  The modca triplets used are a subset of the MO:DCA set.
Official X9.37 DSTU Specification

X9.org official specification, search for X9.37 DSTU. (Now Free).

While most of the info is available from other sources, this is the primary reference.   There are sections at the end of the document (they call them Annexes), which are important and not repeated in the other standards. So, review of this document is necessary, but for exchange, the UCD's should be your primary reference. (download x9.37-dstu-2003)

The latest revised document of the X9.37 standard is now available for purchase ($100) at X9.org. (ANSI/X9.100-187-2008), however, the latest enhancement does not contain material changes to the standard.

TIFF 6.0

      TIFF 6.0 is the only currently allowed image format allowed in type 52 records.  The DSTU was written before that decision was made, and there may exist some other formats out in your system.
      Use single page TIFF, and preferably "no strips", little endian.  Historically, you may have a big endian tiff in your system, but most web tools will consider this unviewable.
      Acceptable attributes of the Tiff file are defined in the UCD specifications.
      Do NOT try to be smart and create custom tags, this is not condusive towards sharing, and will complicate things in ways you cannot immagine. (Tiffs are combined and split, but an unknown tag might force a new split technique, which will double file space consumption, or it will likely result in a hard to find bug which will go unnoticed for years...)


 There is an ANSI standard which states to use the tiff image (little endian).  There is an ansi standard describing the physical check.  Etc.  These standards are not usually important but can usually be found at x9.org


Historical archive issues: Historical archives may have x9.37-dstu-2001 format files, or might have big endian tiffs, or might have JPG's, or IOACA format files, etc.

Whom to know. x9.org
frb services
check image central
Viewpointe Archive LLC
x937.com technical consultants, custom coding.
The strangest thing to know. Competition....well, not really. X9.37 is all about sharing, and therefore, this has made for very strange relationships. In this business competors actually use each others services. This is important to realize, because you dont need to use company X for archive and exchange.

come-on...there are multiple valid standards for x9.37 files, and 40 standards surrounding the x9.37 files. Take a break with dilbert, and relish the sarcasm every once in a while.


* DSTU= Draft Standard for Trial Use.  Ironically, this has become the standard despite the name which implies the contrary. 







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