SMARTENCODE™: Cheque Encoding Solutions

Cheque Encoding Solutions

Increase the efficiency, accuracy and flexibility in encoding any MICR fields using impact technology to reduce reject rate and cheque fraud.

Cheque Entry
While some banks still rely on cheque issuing services provided by third parties, some others have decided to improve efficiency by handling MICR encoding process independently.
MICR encoding process can be divided by two; pre encoding and post-encoding. The quality of both MICR encoding processes are very important as low quality MICR is prone to fraud and could cause high reject rate in clearing process.
SMARTENCODETM  is a cheque encoding application for any financial institution or document processing centre looking for ways to shorten the cheque encoding cycle. SMARTENCODETM streamlines cheque encoding processes by enhancing the quality of cheque encoding, creating a strong foundation for a secured transaction. With online integration to MICR encoders, the application gives the flexibility to encode MICR on cheques including full encoding, pre-encoding for cheque book issuing, post encoding for amount encoding and any other fields in consecutive order automatically. SMARTENCODETM is user configurable to print any number of cheques when requested. It automatically stores the figures in the database, and cheque status are consistently updated for control and monitoring purposes. Cheque encoding is secure in two ways with SMARTENCODETM. The impact printing method gives a more distinct MICR imprint, resulting in a longer lasting cheque. It also allows for a total management of encoded cheques.
Smart Archive

See how
MICR encoders work

Smartencode Cheque

SMARTENCODE™ is personalisation capable, with user defined templates to print personalisation when connected to any standard printer**.

This system utilises FZ-1181 MICR Reader-Encoder machine to automate the amount encoding process on outward cheques.

Smart Encode Diagram

The Main Features
of Teller Cheque Deposit Solution

Data Audit

Auditable cheque processing tasks

MICR Personalisation

Flexible MICR field encoding configuration

Image Scanning

Personalisation capability (optional)

Uses impact technology

Uses impact technology

Cheque Inventory

MICR recognition technologies

Omni Channel

Integration capability with other applications

Data Export

Exportable to other data formats (e.g. CSV for further data processing)


Multi-level security or access rights

Off-line or online mode

*Depending on the cheque scanner specifications

The Key Benefits
of Our Cheque Deposit Solution

Fast proccess

Faster printing of cheques.

SMARTENCODE™ Drives MICR Encoders to print as many cheque documents consecutively in 1 click, replacing manual placement and insertion when cheques are printed 1 by 1.

Multipurpose encoding.

solution can be configured to encode any fields unlike other encoders where encoding ability is more complex and encoded on specific fields only.

Cheque Process

Reduces reject rates and risks of cheque fraud.

solution fuses MICR ink with the paper through its impact, typewriter style technology.

Accurate printing all the time.

SMARTENCODE™ increments cheque serial numbers during the encoding process that removes any rooms for errors and inefficiency during printing.


One step ahead.

All MICR information encoded within the cheques are stored securely in a database allowing you to use the data for further business processing.

Need further discussion on the right solution for your business?

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