ANSI X9.100-140-2004 pdf download Image Replacement Document – IRD
5 General An IRD is a physical document that has the characteristics of a check. It is printed on commercial sized check stock, includes a MICR code line at the bottom of the document, and is processed like the original check. The IRD has areas that contain identification information, endorsement data and indemnification statements based on the use of the document, and it supports the reproduction of the original MICR code line as well as an optional tear off MICR code line for qualified return processing. The IRD may include an optional type of automatically identifiable security feature or control information supplied by the institution creating the IRD.
5.1 Types This specification supports four general usages of IRDs. First, there are two categories: Forward and Return. Second, each category includes Original and Subsequent IRDs. Each IRD contains different information based upon its intended usage. See Annex D for usage considerations and Annex E for examples. The four types of usages are described below.
5.1.1 Forward IRDs
5.1.1.1 Forward Original IRD A Forward Original IRD is a paper replacement of the original check used when the original check is truncated in the forward presentment payment stream and a paper replacement of the original check is needed. A Forward Original IRD may also be used for a rejected check submitted for deposit. See Annex E for examples.
5.1.1.2 Forward Subsequent IRD A Forward Subsequent IRD is an IRD of a previous IRD used when a previous IRD was created and then truncated in the forward presentment payment stream and a paper replacement document of the previous IRD is later needed for processing. A Forward Subsequent IRD is also used when a previous IRD Used for Return was created and then truncated in the forward presentment payment stream. A Forward Subsequent IRD may also be used for a rejected IRD submitted for deposit. See Annex E for examples.
5.1.2 Return IRDs
5.1.2.1 Original IRD Used for Return An Original IRD Used for Return is an IRD used when the original check is truncated in the forward or return payment stream and a paper replacement of the original check is needed for return processing. An IRD Used for Return may optionally contain an attached Qualified Return Region. See Annex E for examples.
5.1.2.2 Subsequent IRD Used for Return A Subsequent IRD Used for Return is an IRD used when a previous IRD was created and then truncated in the forward or return payment stream and a paper replacement document of the previous IRD is later needed for return processing. A Subsequent IRD used for Return may optionally contain an attached Qualified Return Region. See Annex E for examples.