Smart, scalable, and secure image-based cheque clearing system

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Automated and cost-effective
payment solution

End-to-end automation

An enterprise-level payment presentment and settlement platform for a multi-branch banking organisation with flexible automation for all phases involved with CTS cheque clearing


Integration with existing hardware and infrastructure ensures a smooth transition and minimal switch costs for clients upgrading to ICCS Pro

Quick cheque clearance

Enables cheque clearing within hours, with capacity to clear cheques electronically, irrespective of where they are presented

Why you need ICCS Pro

Image-Based Cheque Clearing (ICCS) System is the process that enables images of cheques and data to be captured and exchanged between banks. ICCS has been introduced by the UAE Central Bank to improve cheque clearance cycles and streamline local processes. With this, it is imperative for all participating banks to have technologically advanced, flexible, efficient, and robust payment applications.

How ICCS Pro ups your business

Fully automated and paperless image clearing system

Simplified, secure, and fast payments

Low operational cost and increased revenue

Multiple cheque deposit Integration options – Teller / CDM / RDC / VTM Integrations

Seamless integration with all major core banking systems, enabling easy processing

Complete automation for outward clearing — from cheque submission to crediting customers

Modular, parameterised, and functionally rich software

Integrated AI engine for automated cheque data capture (OCR)

Bank benefits from ICCS Pro

Success Indicators

200 +
Years of domain experience and successful delivery experience
300 M+
Transaction volume handled per annum
80 +
100 +
Integrations including expertise in heterogenous integrations

Customer-first approach

At Unity, we have the distinction of being a successful and reliable partner for our customers in UAE, Bahrain and Kuwait owing to our suite of enterprise financial products and comprehensive domain knowledge.

Our partnerships and counting

Why Choose Unity


Streamline Cheque Clearing with our Image Cheque Clearing System

Cheque clearing in UAE has entered another era via the new cheque clearing solution online called ‘Image-based cheque clearing system’. The new ‘image cheque clearing system’ which is fully electronic has already become operational linking all the banks in UAE. With this cheque image solution, the cheques can be cleared within a few hours. This duration was gradually reduced as the banks became accustomed to the CTS cheque image system. The cheque image clearing system enables the CTS cheque clearing faster, within hours. Unity’s cheque imaging and truncation system – ICCS, is capable of electronic clearing of cheques irrespective of where they are presented.

Clearing of cheques through the traditional system took between 2 to 6 days earlier. With the check truncation system, there is a cheque archive facility at the Central Bank which will be made available to all banks in UAE. This new cheque imaging solution had enabled the storage of cheques for fewer years, but has been extended when the image-based cheque clearing system became operational for some time.

Providing end-to-end cheque imaging solutions, the image-based cheque clearing system comes armed with functionalities for all phases involved with CTS cheque clearing such as outward clearing, inward clearing, postdated cheques, return of outward, return of inward, onus cheques processing, corporate cheque capture and reconciliation. Based on the experiences, research and development investments that Unity has attained over the years in cheque imaging solutions, we have launched a state-of-the-art advanced version of our existing ICCS solution “ICCS Corporate”.

Over the last few years since the cheque truncation system was executed in UAE, we have seen the cheque image clearing system evolve in many banks and collected their valuable feedback, learned it thoroughly and developed ICCS Pro integrating a vast set of features, performance aids and best practices of those banks into this cheque imaging and truncation system.

Unity pride itself in aiding banks streamline and cater to the rising customer demand and attain substantial savings in IT support expenses. The CTS cheque imaging system leverages our wide experience from working with many leading banks in the country.

Despite banking industry forecasts of the expiry of cheques, they remain one of the major payment methods in many countries. The Image Cheque Clearing System (ICCS) signifies the contemporary way of processing traditional paper-based payment methods. A few countries across the globe provide CTS cheque clearing using similar technology. In 2003, Singapore introduced an image-based cheque clearing system and was a forerunner in this field. The other country who have employed cheque truncation system is the USA. ICCS or image-based cheque clearing system signifies a key step forward in the operation of the Central Government Strategy to use electronic schemes and technology to enhance the speed, competence and security of transactions happening in the UAE.

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