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Transfer Validation & OCR

Services/Payments & Billing/Transfer Validation & OCR

Payments & Billing

Transfer Validation & OCR

Automated wire transfer verification combining Google Cloud Vision OCR for receipt parsing with Banxico CEP validation, ensuring every payment is legitimate before fulfillment.

By the Numbers

1,000+

Receipts Validated Monthly

99%

OCR Extraction Accuracy

100%

Banxico CEP Verification

5s

Avg. Validation Time

How It Works

Validation Pipeline

01

Receipt Upload & Preprocessing

The user uploads a transfer receipt image or PDF. The system normalizes orientation, enhances contrast, and prepares the document for optimal OCR extraction.

02

OCR Text Extraction

Google Cloud Vision processes the image and returns structured text. Our parsing engine identifies key fields like amount, date, origin/destination banks, and reference numbers.

03

CEP Cross-Validation

Extracted data is submitted to Banxico's CEP system via headless automation. The CEP response confirms whether a matching interbank transfer exists in the official records.

04

Result & Decision

The system returns a validation verdict: confirmed, unconfirmed, or flagged. Confirmed transfers proceed automatically; flagged cases are routed to a manual review queue.

05

Audit Trail & Reporting

Every validation attempt is logged with timestamps, OCR outputs, and CEP responses. Audit reports provide full traceability for compliance and dispute resolution.

What We Deliver

Receipt OCR Extraction

Google Cloud Vision extracts text from transfer receipt images and PDFs with high accuracy. Amounts, dates, reference numbers, and bank details are parsed automatically from diverse formats.

Banxico CEP Validation

Extracted transfer data is verified against Banxico's CEP (Comprobante Electrónico de Pago) system. This confirms the transfer actually occurred and matches the claimed amount and date.

Selenium Headless Automation

Headless browser automation handles Banxico's CEP portal interactions programmatically. CAPTCHA handling, session management, and form submission are fully automated.

Intelligent Retry Logic

Transient failures from network issues or portal downtime are handled with exponential backoff retries. The system distinguishes between temporary and permanent failures for smart escalation.

Multi-Format Support

Accepts receipt images (JPEG, PNG), scanned PDFs, and screenshots from all major Mexican banks. Adaptive OCR pipelines handle the unique layout of each bank's transfer confirmations.

Fraud Detection Flags

Cross-references OCR-extracted data with CEP results to detect inconsistencies. Mismatched amounts, dates, or account numbers are flagged for manual review before processing.

Use Cases

Validation Applications

1

E-Commerce Payment Verification

An online store that accepts bank transfers verifies every payment receipt automatically before shipping orders. OCR extracts the transfer details and CEP validation confirms the funds actually moved.

2

Rental Payment Confirmation

A property management company receives hundreds of transfer receipts monthly from tenants. Automated validation confirms each payment against Banxico records, eliminating manual receipt review.

3

B2B Invoice Settlement

A distributor validates supplier payment claims by cross-referencing uploaded receipts with CEP data. Only verified transfers are marked as settled in the accounts payable system.

Technology Stack

Google Cloud VisionBanxico CEPSeleniumPyMuPDFDockerCloud Run

Industries we serve with this

E-Commerce→
Real Estate→
Automotive→

FAQ

Frequently asked questions

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Fake payment receipts cause real financial losses for your business

Every day, e-commerce stores, collection agencies, and service companies receive payment receipts edited in Photoshop or generated by fraudulent apps. Without automated transfer validation, operations teams manually review hundreds of images, make mistakes, and release orders or services before confirming that funds actually arrived. Manual payment validation does not scale: a single approved fake receipt can mean thousands of pesos in losses. Automating SPEI payment validation closes that gap: every receipt is verified against Banxico's official record before your system triggers any action, eliminating document fraud without adding friction for legitimate customers.

How it works: receipt OCR and CEP verification with Banxico

Our payment receipt validation flow runs in two stages. First, Google Cloud Vision OCR extracts structured data from the receipt with high accuracy: amount, date, time, tracking key (CLAVE), sender and receiver RFC, and origin and destination banks. Second, that data is sent in real time to the Banxico CEP API (Comprobante Electrónico de Pago), the official SPEI settlement registry. If the tracking key exists, the amount matches, and the status is "Liquidada" (settled), the transaction is automatically approved. Any discrepancy — altered amount, nonexistent key, manipulated date — triggers an immediate rejection with auditable evidence, protecting your operation without human intervention.

Use cases: e-commerce, collections, and bank reconciliation

OCR and CEP transfer validation solves critical processes across multiple industries. In e-commerce accepting bank transfers, an order is released only after Banxico confirms the deposit. In collections, every payment receipt received via WhatsApp or email is validated in seconds before marking an account as paid. In bank reconciliation, receipt OCR eliminates manual data entry and speeds up cross-referencing with bank statements. Manufacturing, distribution, and SaaS companies that receive B2B payments by SPEI automate confirmation without depending on the bank or manual review, shortening the accounts-receivable close cycle and minimizing recording errors.

How we integrate it into your checkout, ERP, or collections workflow

We offer two integration modes depending on your current operation. In automatic mode, the customer uploads the receipt directly in your checkout or payment portal; our API runs the OCR and CEP verification in seconds and returns a JSON result that your system consumes to release the order or record the payment. In assisted mode, the collections agent uploads the receipt and receives the validation result in their internal interface, reducing review time from minutes to seconds. We connect to any stack: REST over your existing e-commerce platform, webhook to your ERP (SAP, Odoo, Aspel, Contpaq), or an embedded module in your collections CRM. Typical implementation time is two to four weeks, depending on the source systems involved.