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

Pre-Production

Production

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>"
 }
'

curl --location 'https://api.signzy.app/api/v3/cheque-extract' \
--header 'Content-Type: application/json' \
--header 'Authorization: ****' \
--data '
 {
    "fileLink": "<file link >"  ,
    "countryCode":"<2 letter ISO Country CODE>"
 }
'

Note :->

Accepted File Types: Single-page PDF, PNG, JPG, JPEG Country Supported: "PH" (Philippines only) Maximum File Size: 20 MB

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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