Verify every cheque
before you clear it.
MobiCheque turns a phone camera into a cheque intake desk. Scan a cheque, extract every field automatically, run it through duplicate and fraud checks, and route it to your reviewers with a complete audit trail.
- OCR field extraction
- Duplicate detection
- Full audit trail
Step 2 of 4
Capture cheque
Extracted
One verification layer for the whole cheque ecosystem
Cheques still move at the speed of paper
Cheques remain central to how institutions and businesses pay each other. The instrument is not the problem — the manual handling around it is.
The branch trip
A cheque cannot start moving until someone physically carries it to a counter during banking hours.
Late fraud discovery
Alterations, duplicates and stale-dated cheques surface deep into the process, after effort has already been spent.
Records that go quiet
Once a cheque is handed over, neither the depositor nor the institution has a live view of where it actually is.
Today
Travel to a branch, hand over the cheque, wait without visibility.
With MobiCheque
Scan where you are, get verified in minutes, track it to a final status.
From a photo to a verified decision
Four stages, each one leaving a record behind. Scroll through to see what happens at every step.
Capture the cheque
Photograph the cheque from any phone. Edge detection and quality checks catch a blurred or cropped frame before it is ever submitted.
- Auto edge detection
- Blur & glare rejection
- Front and back capture
Extract every field
OCR reads the payee, amount, cheque number, date and drawer bank straight off the image, with a confidence score attached to each field.
- Payee & amount
- Cheque number & date
- Per-field confidence
Run the checks
Every submission is tested against duplicate history, date validity and fraud signals, then routed to a reviewer with the evidence attached.
- Duplicate history match
- Stale & post-dated flags
- Reviewer routing
Track to a final status
The depositor follows the cheque through each stage, and the institution keeps a timestamped record of every decision taken on it.
- Live status updates
- Timestamped audit trail
- Cleared or rejected outcome
Capture the cheque
Photograph the cheque from any phone. Edge detection and quality checks catch a blurred or cropped frame before it is ever submitted.
- Auto edge detection
- Blur & glare rejection
- Front and back capture
What runs on every cheque
MobiCheque does not decide on its own. It gathers the evidence, applies the checks, and hands a reviewer everything they need to decide quickly.
Field extraction
Payee, amount, cheque number, date and drawer bank are read off the image, each with its own confidence score.
Duplicate detection
Every submission is matched against cheque history so the same instrument cannot be presented twice.
Fraud signals
Alterations, mismatched amounts and inconsistent formatting are flagged with the evidence attached to the case.
Reviewer routing
Flagged and clean cheques alike land in a reviewer queue, so a person makes the final call with full context.
And around all of it
Secure handling
Cheque images and extracted data move through access-controlled workflows.
Audit trail
Every action is timestamped and attributed, from capture through final decision.
Status visibility
Both sides see the same stage the cheque is at, at the same time.
Digital records
Searchable cheque history replaces filing and manual reconciliation.
The console your reviewers work in
Depositors get an app. Your operations team gets a queue built for deciding on cheques quickly, with the full picture on every case.
Review queue
4 cheques awaiting action
| Reference | Payee | Amount (KES) | Status |
|---|---|---|---|
| CHQ-000482913 | Acacia Supplies Ltd Equity Bank | 248,500.00 | In review Awaiting reviewer |
| CHQ-000482847 | Mwangi Hardware KCB | 62,000.00 | Verified All checks passed |
| CHQ-000482790 | Riverbend Traders Co-operative | 1,150,000.00 | Flagged Possible duplicate |
| CHQ-000482744 | Nyali Contractors Absa | 89,750.00 | Verified All checks passed |
Cleared today
128
Flagged
6
Avg. decision
3m 12s
A single reviewer queue
Incoming cheques arrive in one worklist, sorted by risk, with the captured image and extracted fields side by side.
Decisions with evidence
Each case carries the OCR output, confidence scores and every check that fired, so approvals do not rely on memory.
Roles and team control
Invite reviewers, set permissions, and keep an attributable record of who decided what and when.
Built for every side of the cheque
The same verification layer, framed around what each party actually needs from it.
Banks
Extend cheque intake beyond branch hours and give your operations team a single verified queue to work from.
- Branch-free intake
- Risk-sorted queue
- Attributable decisions
SACCOs
Let members deposit cheques from where they are, while the SACCO keeps a clear record of every submission.
- Member self-service
- Shared status view
- Searchable history
Businesses
Log incoming cheques as they arrive and reconcile against a digital record instead of a drawer of paper.
- Capture on receipt
- Reconciliation records
- Duplicate protection
Individuals
Scan a cheque, pick your institution, and follow it through to cleared or rejected without a branch trip.
- Scan from anywhere
- Pick your bank
- Live status updates
We are not trying to replace the cheque.
Cheques still carry real weight in how institutions and businesses settle with each other. What has not kept up is everything around them — the branch trip, the waiting, the silence after handing one over.
MobiCheque sits in that gap. It is a verification layer: it reads the cheque, checks it, and gives both sides a shared, recorded view of where it stands. Clearing and settlement stay exactly where they already are — with your institution.
What that means
Verification and visibility. Not another payment rail.
Written for whoever has to sign off
Institutional evaluation runs through several desks. Each one has a page here.
The questions institutions ask first
Straight answers on scope, control and what MobiCheque does and does not do.
No. MobiCheque is a verification and tracking layer. It captures the cheque, extracts and checks the data, and routes it to your reviewers. Clearing, settlement and any movement of funds stay entirely with your institution and its existing rails.
No, and that is deliberate. The automated checks gather evidence — extracted fields, confidence scores, duplicate matches and fraud signals — but a reviewer in your team makes the final decision. Human sign-off stays in the loop on every cheque.
Payee name, amount, cheque number, date and drawer bank, each returned with a confidence score so reviewers can see which fields need a second look rather than re-keying everything.
Each submission is matched against cheque history before it reaches a reviewer. A cheque that has already been presented is flagged with the earlier case attached, so the reviewer can compare the two directly.
A browser. The console runs on the web with role-based access, so you invite your team, set permissions, and start working the queue. Depositors use the mobile app to submit.
They move through access-controlled workflows, and every action taken on a cheque is timestamped and attributed. The result is a complete audit trail from capture through to final decision.
See it run on a real cheque
Tell us a little about your organisation and we will walk you through capture, extraction, the checks, and the reviewer queue your team would actually use.
- A 20-minute walkthrough of the app and console
- A look at how the checks run on a real cheque
- Answers on integration and rollout