Abstract: This disclosure includes devices, systems, and methods for providing a virtual check blank. The virtual check blank includes data tags, including an issuer data tag, the issuer data tag including issuer check data and an issuer digital signature, and check image data configured to generate an image related to the virtual check blank and at least some of the data tags. The virtual check blank is configured to be modified by a payer in a transaction, wherein the virtual check blank is configured to add a payer data tag of the data tags, the payer data tag including: the issuer data tag, payer check data, a payer digital signature.