Front side, reverse side, and transmissive images for a media item are obtained during a transaction at a transaction terminal wherein the media item is being processed by or urged through the transaction terminal during the transaction. A substrate image is derived from the front side, reverse side, and transmissive images. Features are extracted from the substrate image and compared against model features for a given type and a given denomination associated with the media item. A decision is made as to whether the media item is genuine or counterfeit based on the comparison between the extracted features and the model features, and the indication is provided to the transaction terminal during the transaction.