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Upload bank statements, or fetch them with consent, and receive parsed transactions, categorised inflows and outflows, salary detection, EMI obligations, bounces and balance trends. Underwrite on real cash flow instead of declared income.
Your application sends
emver API
Issues a hosted consent link, tracks the person's authorisation and assembles the result.
Completed via
Statement upload or account aggregator consent
You receive by webhook
Bank statements are the richest financial document a lender or employer can hold, and the hardest to read at scale. The Bank Statement Analysis API parses statements from every major bank, detects tampering, categorises transactions and computes the indicators credit and HR teams rely on.
It supports uploaded PDFs, including password-protected ones with the password supplied, and consented fetch through the account aggregator ecosystem where enabled.
Consent is part of the contract
Financial data is sensitive personal data. Capture the person's consent before analysis; the consent record is stored with the request.
Turn PDF statements into categorised transactions, income and risk indicators.
Decide on observed income and obligations.
Edited PDFs are flagged before they mislead a decision.
Formats normalised into one structure.
Replaces manual statement review.
Where the Bank Statement Analysis API is typically called, and what it settles there.
Income, obligations and bounces at a glance.
Confirm declared salary and employer from credits.
Affordability evidence for rentals.
Financial stability signals for large policies.
Request and response details, environments and a ready-to-import collection are in the developer console.
Call with your organisation API key. Sandbox and production use the same contract.
Send the person's details and the documents you need. You receive a hosted link to share on any channel.
They sign in and choose what to share. Nothing moves without their approval.
Verified documents and details arrive by webhook or on the status endpoint.
Privacy and security built in
Consent recorded · Payloads not retained beyond your retention window · Every request traceable
FAQ
What teams ask before adding the Bank Statement Analysis API to their integration.
With the person's consent through the account aggregator ecosystem, yes, where your organisation is enabled for it. Uploaded PDFs are supported for everyone.
They are purged under your retention policy. The structured output is returned to you.
Usually called with the Bank Statement Analysis API, on the same key.
Banking & Credit
Consent-based credit score and report for lending and financial-role screening.
Workforce & Assets
Retrieve a candidate's employment history from provident fund records using their UAN.
Banking & Credit
Confirm an account exists and belongs to the person or business you are paying.
Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.