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Check processing

Check processing software that captures every check and remittance

Docsumo reads each check and the remittance that came with it, matches the payment to the invoices it pays, and sends clean records to your ERP. Your AR team works only the short pays and mismatches.

Book a demo →or start a free trial (1,000 pages)
  • 99% field-level accuracy on 250+ document types
  • 95%+ of documents processed straight through
  • SOC 2 Type 2, HIPAA and GDPR
Check and remittanceLockbox image · check and stub Extracted
Payer
Harbor Street Bakery99%
Check number
105799%
Routing (MICR)
07192538499%
Check amount
$15,815.1599%
Remittance
3 invoices · $15,815.1598%
Invoice 7781
$12,450.00 of $12,480.00Short-paid $30.00
Every field carries a confidence score.

Trusted by 10,000+ mid-sized and enterprise teams, including

  • Grid Finance
  • Hitachi
  • PayU
What we capture

The check, its MICR line and every remittance line.

Printed or handwritten, scanned or photographed. The same structure every time.

Check
FieldExtracted valueConfidence
PayerHarbor Street Bakery LLC
Pay toBayside Foods
Check date2026-09-04
Amount (figures)15,815.15
Amount (words)Fifteen thousand eight hundred fifteen and 15/100
MemoInv 7781, 7794, 7802
BankFirst Midwest Bank

Field names and the output schema are configurable.

Remittance matching

Every payment matched to the invoices it pays.

The check is checked against its remittance, then each remittance line against your open invoices. What agrees goes through; the rest waits with the reason.

CheckCheck 1057Harbor Street Bakery LLC · 2026-09-04
Pay to
Bayside Foods
Memo
Inv 7781, 7794, 7802
Routing
071925384
Amount in figures and in words
Figures
15,815.15
Words
15,815.15
  • Total 15,815.15 = 15,815.15
  • Same payer
  • Memo = remittance
Remittance adviceRemittance, check 10573 invoices · 1 deduction
Invoices
7781, 7794, 7802
Deductions
30.00
Total paid
15,815.15
7781 Invoice of 2026-08-03
Invoiced
12,480.00
Deduction
30.00
Paid
12,450.00
  • 3 of 3 invoices open
  • 7794, 7802 paid in full
  • 7781 short by 30.00
Open invoicesHarbor Street Bakery LLCFrom your ERP · 3 open
Open invoices
7781, 7794, 7802
Open total
15,845.15
Terms
Net 30
7781 Due 2026-09-02
Open
12,480.00
Paid
12,450.00
Left
30.00
Held for review · 7781 short-paid $30.00
Read from every remittance:
  • Payer
  • Check or payment number
  • Payment date
  • Invoice number
  • Invoice date
  • Invoice amount
  • Discount
  • Deduction and reason
  • Amount paid
  • Total paid

Field names and the output schema are configurable. Cross-document checks are on the Enterprise plan.

How it works

From the lockbox to your ERP, in five steps.

  1. 01

    Collect

    Lockbox image files, scanned mail, emailed remittances or API.

    Collection agent
  2. 02

    Classify and split

    Each envelope becomes its check, remittance and any letter.

    Classification agent
  3. 03

    Extract

    Check fields, the MICR line and every remittance line, each scored.

    Extraction agent
  4. 04

    Verify

    Check against remittance, remittance against open invoices.

    Verification agent
  5. 05

    Post

    Matched payments to your ERP; exceptions to your team.

    Workflow agent

Every payment becomes a row. Ask a question to find the ones that need a person, then export or send the rest on.

What check processing covers

Your bank deposits the check. Docsumo reads and matches it.

Docsumo does the reading, checking and matching. The deposit stays with your bank or lockbox, and the ledger stays in your ERP.

Check processing steps, and which Docsumo does and which stay with your bank, lockbox or ERP
Docsumo doesCapture to matchYour bank and ERPDeposit and ledger
Receive checks and remittancesLockbox files, scans, email or APIYour lockbox, scanner or mailroom
Sort each envelopeCheck, remittance and letters, split apart
Read the checkPayer, amounts in figures and words, date, MICR
Read the remittanceEvery invoice line, discounts and deductions
Check against remittanceTotals and invoice numbers agree
Match to open invoicesAgainst your open-invoice listKeeps the open items
ExceptionsReview queue, with the reason and source lineCustomer calls about short pays
Post the paymentSent by API and webhookYour ERP applies the cash
Deposit and clearingNot includedYour bank, lockbox or remote deposit capture

Paying suppliers is the other side: see accounts payable automation and invoice processing software.

In production

What changes when checks stop waiting on people.

99%
field-level accuracy on 250+ document types
95%+
of documents processed straight through, no manual review
<5 min
per document, down from 2+ hours
$15
saved per processed document
Who uses it

Built for the teams that receive the checks.

Four kinds of teams, and what they send Docsumo.

  • Payment processors and fintechs

    Check and remittance data by API, inside the payments product you run for clients.

    • Client checks
    • Remittance slips
    • Payment coupons

  • Wholesale and distribution

    Customer checks that pay many invoices at once, with deductions noted on the stub.

    • Customer checks
    • Multi-invoice remittances
    • Deduction notes

  • Finance and shared services

    Remittances for several entities or clients, each in its own layout.

    • Lockbox image files
    • Emailed remittances
    • Remittance advices

  • Banks, credit unions and lenders

    Deposit and loan-servicing operations: checks read with their slips or coupons.

    • Deposited checks
    • Deposit slips
    • Loan payment coupons
Output and security

Matched payments where your team already works.

Each payment arrives as JSON in your ERP or AR system, with the controls your security review will ask about.

  • SOC 2 Type 2Independently audited controls
  • ISO 27001Certified security management
  • HIPAAFor protected health data
  • GDPRFor EU personal data

Encrypted with TLS in transit and AES-256 at rest. Your documents are not used to train shared or third-party models.

How Docsumo protects your data →
webhook · payment processedexample payload
// POST https://your-erp.example.com/hooks/docsumo
{
  "meta_data": { "title": "lockbox-0904-001.tif" },
  "data": {
    "Check": {
      "Check Number": { "value": "1057", "confidence": 0.99 },
      "Amount": { "value": 15815.15, "confidence": 0.99 }
    },
    "Remittance": [
      {
        "Invoice Number": { "value": "7781", "confidence": 0.99 },
        "Amount Paid": { "value": 12450.00, "confidence": 0.98 }
      },
      // 2 more rows
    ]
  }
}

  • Your ERP or AR system

    Checks in from your lockbox, scanner or inbox; matched data out to the system that applies cash.

  • A test environment

    Your engineers validate changes before they reach production.

  • Audit log and permissions

    Access by role, team and document type. Every correction recorded.

Questions

What teams ask about check processing.

What is check processing software?

Check processing software captures the data on incoming checks and the remittances that come with them (payer, amount, check number, MICR line and the invoices being paid) so payments can be matched and posted without keying. Docsumo is an intelligent document processing platform: it reads checks and remittances from lockbox files, scans, email or API, checks them against each other and your open invoices, and sends your team only the exceptions. The deposit itself stays with your bank.

How does automated check processing work?

Checks and remittances arrive as lockbox image files, scans, emails or API calls. Docsumo splits each envelope into its check and remittance, extracts every field and remittance line with a confidence score, checks the check total against the remittance and each invoice against your open invoices, then sends matched payments to your ERP and exceptions to a review queue with the reason.

Does Docsumo read the remittance as well as the check?

Yes. It reads remittance stubs, separate remittance advices and emailed remittance PDFs: every invoice number, date, amount, discount, deduction and amount paid. A remittance table that runs across pages is joined into one table.

Does Docsumo deposit checks or replace our lockbox?

No. Docsumo isn't a check scanner, a lockbox or a remote deposit capture system, and your bank still deposits and clears the check. Docsumo reads the images and remittances those systems produce and sends the matched data to your ERP.

Can it read handwritten checks?

Yes. Docsumo reads handwritten as well as printed text, including handwritten amounts, payees and memos. Every field has a confidence score, and values below the threshold you set go to a person, who sees the source line highlighted.

What happens when a payment doesn't match?

The payment is held with the reason: a short pay or deduction, an invoice that is already paid or not on your open list, a check total that disagrees with the remittance, or no remittance at all. Your team resolves it in the review queue, and each correction is recorded in the audit log.

Which systems does it work with?

Any ERP or AR system that takes data by API, webhook or file import. Docsumo sends every field and remittance line as JSON with its confidence score, and a test environment lets your engineers validate the setup before production.

Is it secure enough for payment data?

Docsumo is SOC 2 Type 2 audited, ISO/IEC 27001:2022 certified, and HIPAA and GDPR compliant. Your documents and extracted data are not used to train shared or third-party models. Access is set by role, team and document type, and every review and correction is recorded in an audit log.

Can we test it on our own checks?

Yes. Book a demo and bring a day's lockbox file or a stack of scanned checks and stubs, and we'll run it live. Or start a free trial with 1,000 pages over 14 days, including API and webhook access.

Related

Where teams go next

Bring a day's lockbox file to the demo.

Checks, stubs and the odd handwritten one. We run it live and show what matches, what's short and why.

Book a demo →or start a free trial (1,000 pages)