Cheque Upload

Endpoint Overview

POST /api/v1/ocr/cheque

Description

This API endpoint enables the extraction of key information from cheque images using Optical Character Recognition (OCR) technology. It automatically identifies and extracts the MICR code, account number, and IFSC code from uploaded cheque images, providing confidence scores for each extracted field. This service helps financial institutions and businesses automate cheque processing workflows, reduce manual data entry, and minimize errors in financial transactions.

Key Benefits

Automated extraction of critical cheque information with high accuracy

Confidence scores for each extracted field to help validate data quality

Reduced manual data entry and associated human errors

Faster cheque processing and transaction completion

Use Cases

Banking

Finance

FinTech

Streamline cheque deposit processes at banks and financial institutions

Automate cheque verification during clearing operations

Enhance fraud detection by validating cheque details against account records

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer TOKEN.

Different authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.io

Production: https://kyc-api.surepass.io

Request Parameters

Request Headers

Header	Required	Description
Authorization	Yes	Bearer token for authentication. Format: `Bearer <JWT_TOKEN>`
Content-Type	Yes	Must be set to `multipart/form-data` for file upload

Request Body

1. For File Upload

Parameter	Type	Description
file	Image	Upload Cheque Image
strict	Boolean	Strict check

2. For Base64 Input

Parameter	Type	Description
base_64	String	Cheque Image in Base64 format

3. For Image URL Input

Parameter	Type	Description
link	String	Cheque Image Link/URL

Example Request

# Multipart form data with file upload
# No JSON body example provided as this is a file upload endpoint

Process Response

Response Parameters

Parameter	Type	Description
message	String/null	Status message, null when successful
success	Boolean	Indicates if the request was successful
status_code	Integer	HTTP status code of the response
data	Object	Contains the extracted information
data.client_id	String	Unique identifier for the OCR request
data.micr	Object	Contains the extracted MICR code information
data.micr.value	String	The extracted MICR code value
data.micr.confidence	Integer	Confidence score (0-100) for the MICR extraction
data.account_number	Object	Contains the extracted account number information
data.account_number.value	String	The extracted account number
data.account_number.confidence	Integer	Confidence score (0-100) for the account number extraction
data.ifsc_code	Object	Contains the extracted IFSC code information
data.ifsc_code.value	String	The extracted IFSC code
data.ifsc_code.confidence	Integer	Confidence score (0-100) for the IFSC code extraction
message_code	String	Code indicating the status of the request

Example Successful Response

{
    "message": null,
    "success": true,
    "status_code": 200,
    "data": {
        "client_id": "ocr_cheque_qFwRweajrhOFLVbXhkxg",
        "micr": {
            "value": "C0001261C 110221232A 002123C",
            "confidence": 75
        },
        "account_number": {
            "value": "012305001234",
            "confidence": 96
        },
        "ifsc_code": {
            "value": "ICIC0000123",
            "confidence": 92
        }
    },
    "message_code": "success"
}

Possible Error Responses

Authentication Error

Invalid Image

Invalid File Format

Server Error

{
    "error": null,
    "message": "Your token is invalid. Please ensure that correct token is being used.",
    "status_code": 401,
    "success": false,
    "message_code": "invalid_token"
}

Occurs when the JWT token is missing, invalid, or expired.

Integration Best Practices

Security Recommendations

Store JWT tokens securely and never expose them in client-side code

Implement proper error handling to avoid exposing sensitive information

Use HTTPS for all API communications to ensure data encryption in transit

Implement token refresh mechanisms to handle token expiration gracefully

User Experience Guidelines

Provide clear feedback to users when uploading cheque images

Implement image quality checks before submission to improve OCR accuracy

Consider implementing a manual review process for low-confidence extractions

Display extracted information to users for verification before proceeding

Code Samples

cURL

Python

Node.js

Related APIs

OCR PAN Card: Extract information from PAN card images

OCR Aadhaar Card: Extract information from Aadhaar card images

OCR Driving License: Extract information from driving license images

OCR Passport: Extract information from passport images

Compliance and Legal Considerations

When processing cheque images, ensure compliance with banking regulations and data protection laws. Cheque information is sensitive financial data and must be handled securely. Implement appropriate data retention and deletion policies in accordance with applicable regulations. Consider implementing additional security measures for production environments handling real financial data.

{ "message": null, "success": true, "status_code": 200, "data": { "client_id": "ocr_cheque_qFwRweajrhOFLVbXhkxg", "micr": { "value": "C0001261C 110221232A 002123C", "confidence": 75 }, "account_number": { "value": "012305001234", "confidence": 96 }, "ifsc_code": { "value": "ICIC0000123", "confidence": 92 } }, "message_code": "success" }

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Cheque Upload

Cheque Upload#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

1. For File Upload#

2. For Base64 Input#

3. For Image URL Input#

Example Request#

Response Parameters#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses

Cheque Upload

Description

Use Cases

Technical Implementation

Request Headers

Request Body

1. For File Upload

2. For Base64 Input

3. For Image URL Input

Example Request

Response Parameters

Example Successful Response

Possible Error Responses

Integration Best Practices

Code Samples