AI Credit Card Statement Processing & Data Extraction Software

Automating their processes with AI

Affinda has removed the laborious workload from our accounts staff, who now focus on quality assurance and management of any outliers.

- Nathaniel Barrs, CTO, PSC Insurance

95%

reduction in manual work

10×

more invoices processed with no added staff

Enhanced auditability and tracking of invoice approvals

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Customer satisfaction is always our top priority, and Affinda has helped us achieve that by eliminating phone calls, manual handling, and delays.

- Jorg Both, Head of Business Systems, Northline

120,000

proof of delivery documents processed annually

82%

of documents straight-through processed in the first weeks

Automatic validation of documents against ERP system

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Two recruitment specialists reviewing a list of candidates

Affinda's ongoing improvements in its AI models demonstrate its innovative approach in Document AI.

– Michael Zhao, AI Product Manager, SEEK

High accuracy parsing across multiple languages
Improved customer experience thanks to better structured data
Stronger compliance with international data security and software standards

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Affinda’s support and expertise were invaluable… The experience working with Affinda was excellent.

- Nick Tran, Business Analyst, StateCover Mutual

300,000

documents processed annually

80

different document types

60%

Enhanced auditability and tracking of invoice approvals

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Logistics manager reviewing paperwork onsite

The results have spoken for themselves. I recommend Affinda to anyone looking to enhance their product or business with AI capability.

- Steve O’Keeffe, CTO, Felix

76%

reduction in manual data input

30%

reduction in compliance data errors

85,000

compliance documents processed annually

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Frequently asked questions

What is credit card statement processing?

Credit card statement processing is the workflow businesses use to capture, extract and validate transaction data, account details and balances from credit card statements. Our AI credit card statement processing software automates this entire process to reduce manual entry, support reconciliation and ensure compliance. It extracts cardholder information, account numbers, transactions and reference numbers accurately, then integrates directly with your accounting, audit and banking systems.

What is credit card statement data extraction?

Credit card statement data extraction is the process of reading a credit card statement and pulling key data points such as cardholder details, account numbers, transactions, balances and reference numbers. Our platform uses advanced AI to automate credit card statement data extraction, turning unstructured statements into structured data ready for your accounting, audit and banking workflows.

What is credit card statement extraction?

Credit card statement extraction is the automatic capture of key data from card statements using AI. Our credit card statement extraction software combines reading order models, OCR, LLMs, RAG and more to convert this information with high accuracy and faster processing times.

What is an credit card statement parser?

A credit card statement parser is software that automatically reads and extracts data from credit card statements into structured, machine-readable formats. Our AI credit card statement parser handles multi-page statements, complex transaction tables and varying layouts with ease. It learns from every interaction, capturing cardholder details, account numbers, transactions and balances before transforming them into formats your systems can use immediately.

What is credit card statement line extraction?

Credit card statement line extraction captures transaction data from your statement tables and converts it into structured formats while maintaining the relationships between each transaction row. Our complex tables capability reads transaction details with deep contextual understanding, processing everything from straightforward layouts to multi-page statements with grouped transactions and nested structures.

What data fields can Affinda’s AI credit card statement processing software extract?

Affinda's AI credit card statement processing platform can capture data from any field on a card statement. Standard data fields include:

Card & Account Details

Cardholder Name: Name of the person or entity to whom the card is issued.
Account Number / Last Four Digits: Full or partial card account identifier.
Card Type / Network: Card brand such as Visa, Mastercard, Amex or Discover.
Statement Period (From / To): Start and end dates covered by the billing cycle.
Statement Date / Due Date: Date the statement was generated and payment deadline.
Card Issuer / Bank Name: Financial institution that issued the card.

Transaction Details

Transaction Date / Posting Date: Date the purchase occurred and when it posted to the account.
Merchant Name / Description: Name of the vendor or service provider and transaction details.
Transaction Amount: Individual purchase or payment value.
Transaction Type: Purchase, payment, refund, fee or adjustment.
Reference Number / Authorization Code: Unique transaction identifier or approval code.
Category / MCC: Spending category or merchant category code when included.
Foreign Transaction Amount / Currency: Original amount and currency for international purchases.
Exchange Rate / Foreign Transaction Fee: Applied conversion rate and associated fees.

Summary & Balance Information

Previous Balance / New Balance: Balance from prior statement and current balance after all transactions.
Total Payments / Total Credits: Sum of all payments made and credits applied.
Total Purchases / Total Debits: Sum of all charges during the billing period.
Credit Limit / Available Credit: Maximum allowed balance and remaining available credit.
Minimum Payment Due: Required minimum payment amount.
Interest Charges / APR: Finance charges applied and annual percentage rate.
Fees & Charges: Late fees, annual fees, cash advance fees or other service charges.

Other Fields

Page Number / Statement ID: Page index and unique statement reference.
Cardholder Address: Billing address associated with the account.
Customer Service Contact: Phone, email or website for cardholder support.
Rewards Summary: Points earned, redeemed or balance when applicable.

Need custom fields or a specific layout? Simply define them in the UI or describe them in natural language and Affinda will extract and structure them automatically.

What file types does Affinda’s AI credit card statement processing solution support?

Our AI agents can process any file type.Supported file types include PDF, JPG/JPEG, PNG, TIFF, DOC/DOCcredit card statement (Word), credit card statementLScredit card statement (Excel), HTML and Tcredit card statementT/CSV.

How does Affinda process credit card statements and extract credit card statement data?

Affinda's AI agents read, extract and validate credit card statement data. Our platform is intuitive to set up and easily integrates into your systems. Simply:

Upload your credit card statements via drag-and-drop, email or API.
Configure business logic to match your organization's rules and workflows.
Let Affinda check and validate extracted data against your business logic and accounting, audit or core banking systems to ensure accuracy.
Access structured credit card statement data directly within your systems.

The result? Faster, more accurate credit card statement processing with minimal manual input.

Can Affinda extract data from scanned or image-based credit card statements?

Yes. Our AI credit card statement processing platform combines OCR with retrieval augmented generation (RAG), LLMs, agentic workflows, proprietary reading order algorithms and more, to automatically detect and process data from scanned or photographed invoices (PDF, JPG, PNG). Even low-quality images are automatically enhanced for reliable data capture and processing.

What language does Affinda’s AI credit card statement automation platform support?

Our AI credit card statement processing platform can automatically detect and process credit card statements in 50+ languages, including multilingual credit card statements containing more than one language.Supported languages include: Afrikaans, Albanian, Amharic, Arabic (Standard, Egyptian, Sudanese, Algerian, Moroccan, Levantine), Bahasa Indonesian, Bengali, Bhojpuri, Bulgarian, Burmese, Chinese (Mandarin [PRC/Taiwan], Cantonese, Wu, Min Nan, Jinyu, Xiang, Hakka), Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Gujarati, Hebrew, Hindi, Hungarian, Italian, Japanese, Javanese, Kannada, Korean, Latvian, Lingala, Lithuanian, Macedonian, Malayalam, Marathi, Nepali, Norwegian, Odia, Persian (Farsi), Polish, Portuguese, Punjabi (Western and Eastern), Romanian, Russian, Slovak, Slovenian, Somali, Spanish, Swahili, Tagalog, Tamil, Telugu, Thai, Turkish, Ukrainian, Urdu, Vietnamese, Yoruba.

Does Affinda integrate with accounting, audit and core banking systems?

Yes. Our credit card statement processing platform integrates with 400+ downstream systems, including accounting platforms, audit tools and core banking systems. You can build no-code integrations using our AI integrations agent, or connect via API – whatever suits your workflow best.

What are some examples of AI credit card statement workflow automations?

AI credit card statement processing helps automate reconciliation and compliance workflows across finance and banking teams such as:

Banking & Finance Operations: Accelerate statement reconciliation by extracting cardholder details, account numbers, transactions and balances from any format. Business-rule validation flags discrepancies such as duplicate transactions, incorrect balances and missing reference numbers before they reach your core systems.
Compliance & Audit Teams: Support regulatory reviews and internal audits with structured credit card statement data that's accurate, traceable and ready for analysis – even from multi-page statements with complex transaction tables.
Accounting Teams: Feed structured statement data directly into your accounting platforms to improve visibility, reduce manual entry and maintain control across cardholder accounts and expense workflows.

What is an credit card statement OCR data extractor?

A credit card statement optical character recognition (OCR) data extractor scans and accurately captures information from card statements, regardless of format or language. Upload credit card statement documents in PDF, JPG or PNG formats. The OCR technology first converts the documents into a text layer, ensuring all text (even from scans, photos or poor-quality images) is captured. Affinda's AI models then identify and extract key fields such as cardholder details, account numbers, transactions, balances and reference numbers, transforming them into structured, usable data.This automation eliminates manual entry, reduces errors and saves time. Once the credit card statement data is captured and structured, our AI credit card statement processing pipeline can apply machine validation and post-processing to enable seamless integration with accounting, audit and core banking systems.Businesses in banking, finance, compliance and audit services rely on Affinda's AI for statement reconciliation, regulatory reviews and expense management processes, streamlining workflows and improving overall efficiency.

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The AI platform for credit card statement processing

How to automate credit card statement processing with Affinda's AI

Upload your credit card statements, your way

Watch as it extracts your credit card statement data

Automatically route the data to your systems

Extract any information from any document, fast

Create models in seconds

Cleanse and transform data

Apply business logic

Pathway 1: Use our AI integrations agent

Pathway 2: Write your own code

Get AI agents to process your credit card statements

Automate credit card statement processing with 99%+ accuracy

See ROI in weeks, not months

AI that instantly learns from your credit card statement and adapts

Easy integration, zero disruption

Configure your credit card statement model, customize and maintain control

Enterprise-grade security

Combine the best of artificial and human intelligence

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Automating their processes with AI

95%

10×

120,000

82%

300,000

80

60%

76%

30%

85,000

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