An on-line VBI printing system that includes one or more cryptographic modules and a central database. The cryptographic modules are capable of implementing a variety of required security standards. A client system provides a user friendly GUI for facilitating the interface of the user to the system. The GUI system includes wizards that help the user step-by-step with processes of installation, registration, and printingIn one aspect, the invention describes an on-line system for printing a value bearing item (VBI) that includes a client system for interfacing with a user comprising; a GUI for installing software for printing the VBI; a GUI for registering the user in the system; and a GUI for managing the printing of the VBI; and a server system capable of communicating with the client system over a computer network for authorizing the client system to print the VBI.