Home
>
API Library
>
Cheque Processing API

Cheque Processing API

Arya.ai’s Cheque Processing API enables banks and financial institutions to digitally extract and process handwritten or printed cheques quickly and accurately. Built on advanced computer vision and OCR technology, the API streamlines cheque clearing operations, reducing manual effort, turnaround time, and operational costs.
Cheque Processing API

The API automates the extraction of key fields from scanned cheque images (CTS-2010 compliant and others). It can read printed and handwritten components like account number, amount (in figures and words), date, payee name, MICR, and IFSC.

  • Supports standard and non-standard cheque formats
  • Recognizes handwritten and printed value.
  • Extracts multiple fields simultaneously with confidence scores

Ideal for banks and institutions handling cheque clearances at scale:

  • Public and Private Sector Banks
  • Cooperative Banks
  • FinTech & Neobanks
  • Payment & Settlement Systems
  • Cheque Processing BPOs
  • Core Banking System Providers
  1. Upload a scanned cheque image (JPEG, PNG, or PDF)
  2. The system localizes and extracts cheque fields
  3. Returns structured output with extracted values and confidence scores
  4. Input: Cheque images (front side)
  5. Output: JSON with payee name, account no., MICR, date, amount (in words & figures), IFSC, etc.
25M+
Documents Analyzed
85%
Manual Reviews Eliminated
80%
Document Fraud Reduced

A Smarter Way To AI Adoption

Intelligent Data Localization

Pinpoints MICR code, amount box, signature, account number, and date using AI.

Handwritten & Printed Text Recognition

Accurately reads amounts written in figures and words, even if handwritten.

Format-Agnostic Extraction

It works across cheque formats and banks with no template dependency.

Adaptive AI Models

Continually improves field extraction accuracy with each use.

Arya APIs Empower Axis Bank to Redefine KYC Workflows

Axis Bank streamlined its KYC workflows with Arya AI’s automated document classification and extraction APIs, achieving a 60-65% reduction in operational Cost
Read more

Real-World Applications

Cheque Truncation Systems (CTS)

Automate field extraction for faster clearing under RBI guidelines.

Branchless Banking

Enable digital cheque submission through mobile apps or portals.

FinTech & Lending Platforms

Digitize post-dated cheque (PDC) collection and automate loan repayment workflows.

Remote Cheque Deposit

Support remote cheque deposit features with AI-based image processing.

Fraud Detection & Reconciliation

Use extracted fields to validate against expected values or past records.

Outsourced Processing BPOs

Allow BPOs to handle bulk cheque scanning to cut costs and boost accuracy.

Why Our Customers Prefer Apex by Arya AI

Plug & Play AI APIs
Ultra Low Latency Output
ISO & GDPR Certified
No Data Storage
Zero Set-up costs
Pay Per Use
eclipse background

Your Vision, Our AI: Endless Possibilities

From automating critical processes to enhancing customer interactions, we do it all!
Explore More

For Developers

Plug-and-play APIs designed for fast integration, minimizing development effort and maximizing productivity.

Detailed Documentation

Comprehensive documentation to simplify integration and implementation.

SDKs & Libraries

Access resources that eliminate the need to build functionalities from scratch.

Interactive Tutorials & Sandbox

Test API functionalities in a risk-free, simulated setting.

24/7 Technical Support

Round-the-clock support so you have assistance whenever challenges arise.

How we drive customer value

Working with Arya.ai has provided MSIG Life with great support. Their AI applications have been integrated into our operations, addressing key challenges with production-ready models that have made a significant impact. Arya.ai's AI capabilities have helped us enhance our processes, improve security, and increase efficiency across our workflows.
Deekshith and his team have been responsive and have assisted us in streamlining our operations and enhancing the customer experience, enabling us to scale effectively.
Michael Kohan
Head of Digital Solutions
5 stars
Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.
Faria Rose Santiago
Co-founder & CEO
5 stars
Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time which in turn enhances our overall customer experience.
Vice President Technology
Axis Bank
5 stars
Appreciate the support we got from Arya in seamlessly processing lakhs of API hits daily. Arya team's expertise provided for excellent guidance and recommendations to help improve the process for large scale integrations. We were able to make this go live in record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and team is much appreciated.
Shammi Kapoor
SVP Business Operations
5 stars
With Arya’s Face Verification and Passive Face Liveness Detection  API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.
Sagar Singhal
Co Founder & CEO
5 stars
Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time.
Vice President Technology
Axis Bank
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.
Faria Rose Santiago
Co-founder & CEO
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
With Arya’s Face Verification and Passive Face Liveness Detection  API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.
Sagar Singhal
Co-founder & CEO
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Appreciate the support we got from Arya in Seamless processing lakhs of API hits daily. Arya's team expertise provides for excellent guidance and recommendations to help the process for large scale integrations. we were able to make this go live in a record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and the team is much appreciated.
Shammir Kapoor
SVP Business Operations, TATA AIG General Insurance
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Using Arya APIs, we have automated the process of data extraction from KYC submissions as well as Transaction documents along with translation of certain ID proof(s) originally provided in foreign languages, which has greatly eased the operational workload on our team & also saved us on processing time.
Vice President Technology
Axis Bank
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Our Team is greatly thankful for the Bank Statement Analyser of Arya AI. Before using the bank analyser, we had a hard time converting large statements, passbooks and different formats across various banks into tangible insights. But with Arya now, we can generate a speedy report.
Faria Rose Santiago
Co-founder & CEO
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
With Arya’s Face Verification and Passive Face Liveness Detection  API, we’ve improved the security on our FinTech platform for user verification during transactions. Our Vulnerability to fraud due to identification errors has already reduced by 98% within just six weeks of integrating these APIs. This new process has helped us provide an amazing user experience. Kudos to Arya AI team for ground breaking technology that is making a real good impact on our business.
Sagar Singhal
Co-founder & CEO
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Appreciate the support we got from Arya in Seamless processing lakhs of API hits daily. Arya's team expertise provides for excellent guidance and recommendations to help the process for large scale integrations. we were able to make this go live in a record time of nearly a month. The quality of the work and unwavering dedication brought to the table by Deekshith and the team is much appreciated.
Shammir Kapoor
SVP Business Operations, TATA AIG General Insurance
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
Working with Arya.ai has provided MSIG Life with great support. Their AI applications have been integrated into our operations, addressing key challenges with production-ready models that have made a significant impact. Arya.ai's AI capabilities have helped us enhance our processes, improve security, and increase efficiency across our workflows.
Deekshith and his team have been responsive and have assisted us in streamlining our operations and enhancing the customer experience, enabling us to scale effectively.
Michael Kohan
Head of Digital Solutions
5 stars
+360%
More repayments in past 12 months
Read full story
arrow
arrow
arrow

A Comprehensive Guide

Everything You Need to Know About Cheque Extraction & Processing API

Cheque processing has long been one of the most resource-heavy tasks for banks. From physical handling to validation and reconciliation, manually clearing cheques is slow and error-prone.

Arya.ai’s Cheque Processing API revolutionizes this by automating field extraction from cheque images using OCR and AI.

Key Features Recap

  • Read amounts (both numeric and written)
  • Recognize and extract MICR, account, and payee details
  • Match printed and handwritten fields
  • Fast processing with confidence scoring
  • Easily integrable into cheque clearing systems

Why It Matters

  • Save Operational Costs: Reduce manpower for manual reading and validation.
  • Faster Processing: Improve TAT for cheque clearing by 60–70%.
  • Error Reduction: AI algorithms reduce common misread or skipped fields.
  • Scalability: Handle thousands of cheques per day without scaling headcount.

Ideal For

  • Banks managing bulk cheque volumes
  • Lending platforms processing PDCs
  • BPOs or vendors handling outsourced CTS
  • Fintech platforms enabling digital deposit features

With Arya’s Cheque Extraction API, banks and businesses can modernize their cheque handling infrastructure, meet compliance goals, and deliver faster services to end users—all while reducing operational bottlenecks.

Table of Contents

Frequently Asked Questions

Can it read handwritten cheques?
What fields does the API extract?
Can it work on low-resolution scans?
How accurate is the extraction?
How can it be integrated?