MICR Ink vs. MICR Toner - Know the Difference

Remember that episode of “Friends” where Phoebe asks "What is Toner?" right before she’s about to sell it over the phone? Even in 2024, a lot of people are still like Phoebe, and that’s OK. 

People are more familiar with ink, and it's easier to understand and there are more use cases for it than just printing. Toner, on the other hand, is not as straightforward but has its advantages. While both ink and toner serve the same purpose of transferring text and images onto paper, they operate on distinct principles and offer unique advantages.

When it comes to printing checks, MICR toner & ink becomes more specialized and specific. MICR is a specific type of magnetic ink and/or toner that's needed for printing checks. On the surface, MICR toner & ink generally work the same way, but will differ in which type of printer to use depending on your applications. 

Let's explore the key differences between MICR ink and toner, as well as the printers required for each. 

What is MICR Ink? 

Inkjet printers utilize liquid ink stored in cartridges or tanks, which is sprayed onto the paper in tiny droplets to create the desired images and text.

Inkjet  printers employ liquid ink stored in cartridges, offering vibrant colors and intricate detailing, which caters to tasks such as photo printing and graphic design. Inkjet printers boast versatility, capable of handling various paper types and sizes, including glossy photo paper and specialty media, enhancing their appeal for diverse printing needs.

MICR ink in an inkjet printer works the same way, except you print MICR characters with the ink onto your check. 

What is MICR Toner?

Toner is a fine powder, utilized by laser printers, which are fused onto the paper using heat and pressure to create prints.

Laser printers operate by utilizing powdered toner stored within tanks and cartridges, making them well-suited for high-volume printing needs and generating crisp, smudge-resistant prints, particularly advantageous in office settings and for text-centric documents.

Renowned for their rapid printing speeds, laser printers excel in handling large-scale printing tasks efficiently. Additionally, toner prints generally exhibit greater durability and resilience against smudging when compared to ink prints, further enhancing their appeal for various printing requirements.

MICR toner works the same, except of course, for its magnetic properties used specifically for check printing.

Laser vs. Ink Printers

Understanding the differences between MICR ink and MICR toner also involves knowing the printers required for each printing medium:

Inkjet Printers: Designed specifically for ink-based printing, inkjet printers are equipped with mechanisms to spray liquid ink onto paper. They are suitable for tasks that demand high-quality color output, such as photo printing and graphic design.

Laser Printers: Tailored for toner-based printing, laser printers use heat and pressure to fuse powdered toner onto paper. They excel in high-volume printing environments, offering fast printing speeds and durable, smudge-resistant prints, making them ideal for office use and text-heavy documents.

Should you use MICR toner or MICR ink when printing checks?

In the realm of check printing, MICR (Magnetic Ink Character Recognition) is the most important factor to consider when printing checks. MICR ink and toner contains iron oxide needed for banking machines to read and scan the MICR lines of checks that contain accounting and routing numbers without the need for manual data entry.

MICR is a requirement by the American Banking Association, so either must be used when printing checks. But which do you choose?

When printing checks at high volume, MICR toner is best for clear, non-smudged check printing. MICR ink can work just as well with well-engineered inkjet printers that are designed to print checks, but usually for a lower print volume. Inkjet MICR printers can also print at higher speeds, but not typically as fast as laser. 

Ink and toner represent two distinct printing mediums, each with its own set of characteristics and applications. By understanding the differences between ink and toner, as well as the printers required for each, you can make informed decisions that align with your specific printing needs, whether it be producing vibrant photos or efficiently printing large volumes of documents.

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