Abstract: A payment item having a magnetic ink character recognition (MICR)-line on its front is handled by generating, using visible light, a front image of the front of the payment item, generating, using infrared light, an infrared image of the front of the payment item or of a portion of the front of the payment item containing its MICR-line, and performing optical character recognition on the infrared image to identify data encoded in the MICR-line.