Global Cheque Extraction
Introduction
Overview
The Cheque Extraction API provides automated data extraction from scanned or uploaded cheque images. It enables KYB/KYC providers, fintech platforms, and auditors to verify bank account ownership and cheque authenticity with minimal manual intervention. Key capabilities: Extract structured data (bank name, branch, account info, cheque number, date, payee, amount, MICR line, etc.) Validate cheque image quality. Detect basic cheque markers (crossing, cancellation, signature presence).
Use Cases
- Bank Account Verification — Extract account numbers from cancelled cheques uploaded during KYB/KYC.
- Automated Compliance Evidence — Store structured cheque data in audit logs for regulators.
- Fraud Prevention — Flag poor-quality or missing cancelled marks.
- Multi-Country Cheque Support (future) — Extend to India, UAE, etc. by plugging in new MICR standards.
API Details
Sample cURL
curl --location 'https://api-preproduction.signzy.app/api/v3/cheque-extract' \
--header 'Content-Type: application/json' \
--header 'Authorization: ****' \
--data '
{
"fileLink": "<file link >" ,
"countryCode":"<2 letter ISO Country CODE>"
}
'Note :->
Request Body Parameters
Parameter | Type | Required | Description |
|---|---|---|---|
fileLink | string | Yes | Public or pre-signed URL of the cheque image. |
countryCode | string | Yes | Two-letter ISO country code (for example, IN). |
Sample Response
{
"result": {
"bank": {
"name": "BANK OF THE PHILIPPINE ISLANDS",
"branchName": "MAKATI AVENUE BRANCH",
"branchAddress": "G/F, BPI BUILDING, 6768 AYALA AVENUE, MAKATI CITY, 1226",
"branchCodePrinted": "*****"
},
"cheque": {
"chequeNumber": "******",
"accountNumber": "0019**********45",
"accountName": "M***** D***** C*******",
"date": "2024-09-30",
"receiverName": "S**** T****** C********",
"amount": "₱**,***.**",
"crossing": "A/C PAYEE ONLY",
"cancelledMarkPresent": false
},
"signaturePresent": true,
"countryCode": "PH",
"micrRaw": "⑈******⑈ ******⑆ ******⑈ **",
"imageChecks": {
"isReadable": true,
"isNotBlurred": true,
"isNotSkewed": true,
"hasFullChequeInFrame": true,
"glarePresent": false,
"shadowPresent": false
}
}
}
Response Body Parameters
Bank Information
Parameter | Type | Description |
|---|---|---|
name | string | Name of the bank. |
branchName | string | Branch name of the bank. |
branchAddress | string | Full address of the branch. |
branchCodePrinted | string | Printed branch code, if available. |
Cheque Details
Parameter | Type | Description |
|---|---|---|
chequeNumber | string | The cheque number printed on the cheque. |
accountNumber | string | The account number associated with the cheque. |
accountName | string | The account holder’s name. |
date | string | The date mentioned on the cheque, if available. |
receiverName | string | The payee or receiver’s name, if available. |
amount | string | The amount written on the cheque, if available. |
crossing | string | Indicates the cheque crossing type, if detected. |
cancelledMarkPresent | boolean | True if a “CANCELLED” mark is detected on the cheque. |
Signature and MICR Details
Parameter | Type | Description |
|---|---|---|
signaturePresent | boolean | Indicates whether a signature is visible on the cheque. |
micrRaw | string | The raw MICR line extracted from the cheque. |
countryCode | string | Two-letter ISO country code based on the cheque uploaded |
Image Quality Checks
Parameter | Type | Description |
|---|---|---|
isReadable | boolean | Whether the cheque content is readable. |
isNotBlurred | boolean | True if the image is not blurred. |
isNotSkewed | boolean | True if the cheque is properly aligned. |
hasFullChequeInFrame | boolean | True if the full cheque is visible in the image. |
glarePresent | boolean | True if glare is detected on the cheque image. |
shadowPresent | boolean | True if shadow is detected on the cheque image. |
Error Code
{
"error": {
"name": "error",
"message": "fileLink is an invalid URL",
"status": 400,
"reason": "VALIDATION_ERROR",
"type": "Bad Request",
"statusCode": "400"
}
}Error Response Parameters
Parameter | Description |
|---|---|
error | This parameter contains the error. |
error.name | the error name. |
error.message | the error message. |
error.status | Status of the api |
error.reason | Reason for error |
error.type | Type of the error |
error.statusCode | Request Status code from Signzy |
Getting help
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