Help › Bank payments

PDF and scanned statements

A PDF statement is read in your browser, then its transactions are found by their layout (dates, descriptions, amounts).

• If fewer rows are found than the statement seems to have and AI is on, ePayRecon reads it with AI automatically ("Reading 3 pages with AI…"). Each page is sent on its own with your name and address, account, card and routing numbers, phones and balances removed.
• The result is checked: dates must fall in the statement period, and the deposits must add up to the total the statement prints. Any mismatch is shown before you import.
• You can always press Read with AI yourself, or download a CSV from your bank instead.

Scanned statements and photos

A scanned PDF (pages that are pictures, with no text you can select) and a photo of a statement (JPG, PNG, or HEIC from an iPhone in a browser that can open it, such as Safari) are read with text recognition (OCR), also in your browser:

1. Each page is drawn at print quality and read; the page shows Reading page 2 of 5… while it works. The first time, the text reader takes a few seconds to start.
2. A page or photo that is sideways or upside down is turned the right way up, and a slightly tilted one is straightened.
3. The text then goes through the same steps as a text PDF: the layout reader first, then Read with AI when AI is on (with the same things removed before anything is sent), then the period and total checks.

• Up to 20 scanned pages per file. For a longer statement, split the PDF (for example one month per file) and upload each part.
• A page that was hard to read (low recognition confidence) is named in a warning above the preview, so you can compare its rows with the paper.
• The page images are read on your own computer: they are not sent to an OCR service. As with any upload, the original file is stored encrypted, and you can delete it.