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How MICR Check Scanning Works

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E-Check Verification Form

  • A Scan button is displayed at the bottom of the E-Check Tendering verification form.

  • This button initiates a scan using the MICR reader attached to the (configured) register.

  • The scan button is enabled when the window first opens; it is disabled during a scan; and re-enabled once a scan either completes or times out.

    MICR Scanning Initialization

  • When the user clicks a tender type of E-Check, the IDI platform checks to see if a MICR reader is configured.

    MICR Scan Response

    The following information is recorded in the IDI platform when it receives notification from the MICR reader that a check has been scanned:

  • ABA Routing number

  • Account Number

  • Check Number

    The Bank account type is set to Checking; the Bank Name and Account Holder Name fields are cleared, and the Drivers License Number field and Driver License State fields remain.