Veryfi vs Zera Books:Multi-Account Detection

Veryfi extracts account data but requires manual workflow setup. Zera Books automatically detects and separates multiple accounts in a single PDF—no code, no configuration.

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Veryfi: API-First OCR Provider

Veryfi is an OCR API platform designed for developers building fraud detection and loan underwriting systems. It extracts bank statement data with high accuracy (less than 1% error rate) and processes multiple accounts.

The Challenge: Manual Multi-Account Separation

Veryfi extracts account metadata (account number, holder name, routing number) from bank statements. But when a single PDF contains multiple accounts—checking, savings, and credit card—Veryfi returns one combined data response. You need to write code to detect account boundaries and separate transactions.

API integration requires developer resources
Build custom logic to separate accounts
Maintain workflows when bank formats change

Zera Books: Automated Platform

Zera Books is a complete accounting workflow platform with built-in multi-account detection. Upload a PDF with three accounts, get three separate Excel files—automatically categorized and ready for QuickBooks or Xero.

The Solution: Zero-Configuration Automation

Zera AI (trained on 2.8+ million bank statements) recognizes account boundaries within multi-account PDFs. Each account is automatically separated, with transactions categorized using GAAP-trained AI. No code. No templates. No manual splitting.

Automatic account detection and separation
AI transaction categorization per account
Client management dashboard for firms

Multi-Account Detection: Feature Comparison

Feature	Veryfi	Zera Books
Automatic account detection in single PDF
Separate output files per account
Account metadata extraction (number, type, bank)
Transaction categorization per account
Developer integration required	Yes (API only)	No (web platform)
Custom separation logic needed	You build it	Built-in
Batch processing (50+ statements)	Via API calls	Drag-and-drop
Direct QuickBooks/Xero integration

Key Difference: Veryfi gives you raw extracted data. Zera Books gives you separated, categorized, import-ready files—one per account.

Processing One PDF with Three Accounts

Veryfi Workflow

1
API Integration Setup
Configure API credentials, implement authentication, handle rate limits
2
Send PDF to Veryfi API
Upload bank statement PDF via POST request
3
Receive Combined JSON Response
All three accounts returned in one data structure
4
Write Custom Separation Logic
Parse JSON, detect account boundaries, split transactions
5
Generate Separate Files
Create three CSV/Excel files manually from parsed data
6
Manual Categorization
Review and categorize transactions for each account
7
Import to Accounting Software
Upload each file to QuickBooks/Xero separately

Development Time: 2-4 weeks + ongoing maintenance

Zera Books Workflow

1
Upload PDF to Platform
Drag-and-drop bank statement into web interface
2
Automatic Multi-Account Detection
Zera AI recognizes all three accounts automatically
3
AI Transaction Categorization
Each account's transactions auto-categorized for QuickBooks/Xero
4
Download Three Separate Files
Get checking.xlsx, savings.xlsx, creditcard.xlsx—ready to import

Processing Time: 2-3 minutes per statement

Veryfi requires weeks of development and ongoing code maintenance. Zera Books handles everything automatically—upload, detect, separate, categorize, download.

"My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week."

Ashish Josan

Manager, CPA at Manning Elliott

Ashish processes bank statements for 50+ clients every month. Many clients have multiple accounts (business checking, savings, credit cards) all in one PDF. Before Zera Books, he spent 20-30 minutes per client manually splitting accounts and categorizing transactions. Now he uploads the PDF and gets separate, categorized files in under 3 minutes.

When You Need Multi-Account Detection

Multi-Client Bookkeeping

Bookkeepers managing 20+ clients who each have 2-5 bank accounts. One client sends a combined PDF with checking, savings, and credit card statements. You need three separate files for QuickBooks.

Small Business Owners

Business owners with operating accounts, payroll accounts, and merchant accounts all at the same bank. The bank emails one PDF monthly. You need each account separated for accurate reconciliation.

Multi-Entity Accounting

CPAs handling businesses with multiple legal entities, each with several accounts. Processing 10-15 combined PDFs per month. Manual separation takes 3-4 hours monthly.

Year-End Audit Preparation

Accountants preparing annual audits need 12 months of statements for 5-10 accounts per client. Processing 60-120 statements per audit client. Automatic separation reduces prep time by 70%.

Tax Season Processing

Tax preparers collecting year-end statements from 100+ clients. Many send combined PDFs with personal and business accounts mixed. Need clean separation to identify deductible business expenses.

Month-End Close

Finance teams closing books for businesses with 8-12 accounts. Tight deadlines require fast processing. Automatic multi-account detection cuts close time from 3 days to 6 hours.

Common Thread: Every scenario involves processing the same multi-account PDFs repeatedly. With Veryfi, you build and maintain custom logic for each format. With Zera Books, multi-account detection works automatically—no configuration required.

API vs Platform: Technology Approach

Veryfi: Developer-First API

Target Audience

Developers building fraud detection systems, loan underwriting platforms, or compliance tools. Requires engineering team.

What You Get

•RESTful API endpoints for document processing
•JSON responses with extracted field data
•High accuracy fraud detection models
•Raw data (you build all workflows)

What You Build

→Account separation logic
→Transaction categorization rules
→File generation (CSV/Excel)
→User interface
→Client management system

Best For

FinTech companies, lenders, and compliance teams building custom internal tools with dedicated engineering resources.

Zera Books: Complete Platform

Target Audience

Accountants, bookkeepers, CPAs, and small business owners. No technical skills required. Works day one.

What You Get

Complete web platform (no code needed)
Automatic multi-account detection and separation
AI transaction categorization
Direct QuickBooks/Xero export
Client management dashboard
Batch processing (50+ statements at once)

What You Build

Nothing.

Upload statements, download categorized files. That's it.

Best For

Accounting professionals who need to process bank statements daily. No engineering team required. Start processing immediately.

Different Tools, Different Audiences: Veryfi is for developers building custom systems. Zera Books is for accountants processing statements. If you're choosing between these tools, ask: Do I have an engineering team to build workflows, or do I need a solution that works today?

Stop Building. Start Processing.

Veryfi gives you APIs. Zera Books gives you automatic multi-account detection, AI categorization, and instant exports to QuickBooks and Xero. No code. No maintenance. No multi-week implementation.