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Substitute Cheque: An Integral Component of Modern Banking

A Substitute Cheque, also known as an Image Replacement Document (IRD), is a paper copy of an original cheque that is created digitally as part of the cheque truncation process.

On this page

  • Cheque Truncation: The process of converting a physical cheque into a digital image for electronic processing.
  • Image Replacement Document (IRD): Another term for a substitute cheque.

FAQs

Are substitute cheques safe?

Yes, substitute cheques adhere to strict security protocols to ensure they are as safe as original cheques.

Can a substitute cheque be used for proof of payment?

Yes, substitute cheques are legally equivalent to original cheques and can be used for proof of payment.

How do I endorse a substitute cheque?

Endorsement procedures for substitute cheques are generally the same as those for original cheques.
Revised on Monday, May 18, 2026