Cheque Fraud Detection Software for Banks & NBFCs | KlearStack
Cheque Fraud Detection SoftwareChecking Signatures, Washing, and Positive Pay
KlearStack authenticates the signature, inspects the image pixel by pixel, and flags anything altered, washed, or presented twice, before your team commits it to clearing.
- On-premise deployment for banks and NBFCs
- Full audit trail on every pass and return decision
Get a Free Cheque Fraud Demo Explore Fraud Detection
Loved by All!
Ten Checks on Every Cheque, One for Each Way It's Forged
Expand a check to see what it looks for, what it flags, and what happens next.
Words vs Figures Match
The courtesy amount and the legal amount are compared on every cheque. Any mismatch stops the cheque before processing.Physical Alteration Detection
A cheque with corrections or overwrites is not a valid cheque. Any physical alteration is flagged and the leaf is routed for return.Pixel-Level Image Analysis
For truncated and digitally deposited cheques: splicing, cloning, and edits made before upload, caught at the pixel level.Signature Existence Check
Confirms a signature is actually present in the designated box before authentication begins. Empty-box cheques stop here.Signature Authentication
The signature is compared against the account's master signature card. Mismatches route to review with the comparison attached.Handwriting Consistency
Payee, amount, and date fields are compared for writing style. Two hands on one cheque is a stolen-leaf marker.Washing and Alteration Detection
Cheques chemically washed to change the payee or amount get flagged, even when the surface looks clean.Duplicate Detection
The same leaf presented twice, in the same window or weeks apart, is caught on the second attempt.Positive Pay Cross-Check
Date, payee, and amount are verified in real time against the issuer's pre-submitted Positive Pay data on high-value cheques.Transaction Pattern Anomalies
With your transaction feed integrated via the KlearStack API, unusual presentation patterns are flagged for review.
What OCR Tools And LLMs Miss, KlearStack Is Built To Catch
Why Teams Pick KlearStack
Generic OCR, IDP Tools, and LLMs
These tools read a document and return the data. Whether that document is genuine is a question they never ask.
- Extraction only, no authenticity checks
- LLMs: a different answer on every run
- Documents leave for external APIs
- No audit trail a regulator accepts
KlearStack Proprietary AI
Every document is read, then interrogated: forensic checks, signature authentication, and cross-references run inside the same pass, and every result is logged.
- Forensic fraud checks in the same pass
- Deterministic results, every single run
- On-prem and private deployment options
- Field-level audit trail, ready for review
Up to 99%
Data Extraction Accuracy
Fraud checks are only as good as the read. Fields come in right the first time.
95%+
Straight-Through Processing
Clean cheques clear untouched within 90 days of go-live. Only suspects reach a human.
500+
Document Types Supported
Cheques, statements, invoices, KYC packs, and everything else that moves money.
Already Using SAP, Tally orQuickBooks KlearStack
Why Teams Pick KlearStack OverOCR Tools and LLMs
One AI, two jobs: 150M+ documents processed, with fraud and forgery checks in the same pass.
Proprietary DROC.ai
Built for documents, not conversation. Not a generic LLM, not adapted OCR, and 150M+ processed documents deep.
Up to 99% Accuracy at Scale
Template-free extraction across 500+ document types, with human review only where confidence drops.
Fraud and Forgery Checks Built In
Tampering, forged signatures, altered fields, and duplicates flagged while the document is read, not after it's paid.
On-Premise Ready
Your documents never leave your infrastructure. SOC 2 and ISO 27001 certified, GDPR and DPDPA compliant.
Pilot in 30 Minutes
Upload your own documents, see live results, and walk into your next meeting decision-ready.
Onboarding KlearStack
Ten Checks Slot Into theClearing Flow You Already Run
Before KlearStack
Glance-Speed Inspection
Each cheque gets a look measured in seconds. Washing and image edits are built to survive exactly that.
Signature Files Pulled by Hand
The master card gets checked only for high-value or suspicious cheques. The rest clear on familiarity.
Cross-Checks for Big Cheques Only
Positive Pay data covers high-value presentations. Below the cutoff, nothing gets cross-verified.
Fraud Found at the Dispute
The forgery surfaces when the account holder calls. By then the money has moved and the case file is yours.
Return Decisions on Instinct
Pass-or-return calls ride on experience, with nothing logged to defend them later.
Every cheque passes all ten checks automatically, inside the clearing flow it already follows.
- Every cheque checked, not a sample
- Signatures authenticated on every leaf, not just high-value
- Flagged before clearing, not at the dispute
- Every pass and return decision logged, audit-ready
- No new step in the clearing workflow
The Problem
Visual Inspection Ends WhereCheque Fraud Begins
Washed Cheques Look Clean
Chemical washing changes the payee or amount and leaves nothing a scanner or a trained eye can see.
Signatures Checked From Memory
Verifying against the master card takes minutes per cheque. At clearing volume, most are waved through.
Two Hands, One Cheque
A stolen, part-filled leaf gets finished by a second writer. A glance never catches the handwriting shift.
Calculate Your Savings
Single-Shot ModelProcesses each document independently for highest accuracy, ideal for complex, variable layouts.Multi-Shot ModelLearns from multiple documents in a batch for faster processing, best for high-volume, uniform formats.
Document Type
Select Document TypeBank ChequesBank DocumentsID CardsKYC DocumentsInvoiceBill of LadingPacking ListPurchase OrderContractP&L StatementsCashflow Statements
Document Volume (Pages)
ⓘTotal pages processed per month, forming the basis for KlearStack's tailored pricing.
36,000 pages Average Monthly Salary per Resource ₹30,000
NET MONTHLY SAVINGS
₹0
Compared to manual labor
ANNUAL SAVINGS
₹0
Total saved per year
EQUIVALENT RESOURCES
0
People replaced by KlearStack
- 15% lesser price in the Annual Plan
Automate your workflows with KlearStack!right arrow
Why We Are Loved By All!
80%improvement in Turnaround Time (TAT)
95%straight-through processing (STP)
KlearStack processed our documents with 99% accuracy and boosted efficiency by 350%. It transformed how our team handles logistics documents across every channel, removing repetitive corrections and giving our operations team faster, more reliable results without adding complexity to the process.
“We Don't Have Time for a Six-Month Rollout.”
Good. That's exactly what the demo is for. Upload your documents, watch the checks run, and judge the flags yourself.
Your CFO Will Have Questions. These Answer Them.
Cheque Fraud & Forensics Deck
Every forensic check explained, with what each one catches and why it matters.
BFSI & Banking Overview
How banks and NBFCs deploy KlearStack across lending, KYC, and payments.
ROI & Cost Case
The numbers behind automated screening, built for your CFO's questions.
Full Capabilities Deck
Extraction, validation, fraud checks, integrations, & deployment options in one document.
FAQs About Check Fraud Detection
What is cheque fraud detection software?
Software that examines every presented cheque for forgery, alteration, and inconsistency before funds move. KlearStack runs ten automated checks per cheque, from amount parity and signature authentication to pixel-level image analysis and Positive Pay cross-checks, in one pass.
How do banks detect cheque washing?
Chemically washed cheques rarely show anything to the eye, so detection relies on forensic analysis of the cheque itself. KlearStack flags washing markers automatically and pairs that with handwriting-consistency checks across the payee, amount, and date fields.
How does signature verification work on cheques?
KlearStack first confirms a signature exists in the designated box, then authenticates it against the account's master signature card. Mismatches route to your review queue instead of clearing, on every cheque rather than only high-value ones.
Can KlearStack screen truncated or digitally deposited cheques?
Yes. For cheques that arrive as images, pixel-level analysis detects splicing, cloning, and edits made to the file before upload, the tampering class that never shows on the image itself.
Does it work with Positive Pay?
Yes. Presented date, payee, and amount are cross-checked against the issuer's pre-submitted Positive Pay data in real time, and the other nine checks cover everything Positive Pay was never built to see.
Will fraud screening slow down clearing?
No. All ten checks run in the same automated pass that reads the cheque. Clean cheques clear straight through; only flagged cheques wait for a human decision, with the failed checks highlighted.
Can it run on our own infrastructure?
Yes. KlearStack deploys fully on-premises for banks and NBFCs, so cheque images and signature data never leave your environment. Cloud deployment is available for teams that prefer it.