Initial commit — Export Bank Statement extractor (FastAPI)

Proven pdfplumber + Tesseract engine, /convert API, shared-key auth,
accuracy harness, Railway/Nixpacks config.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

.env.example

@@ -0,0 +1,15 @@
+# --- Extractor service (production) ---
+
+# Shared secret the web app must send as X-API-Key. Generate a long random value
+# and set the SAME value as EXTRACTOR_API_KEY on the web app. Stops anyone hitting
+# the extractor directly and bypassing the web quota.
+EBS_API_KEY=change-me-to-a-long-random-string
+
+# Lock CORS to your web origin (the browser never calls this directly, but keep it tight).
+EBS_ALLOWED_ORIGINS=https://exportbankstatement.com
+
+# Scratch dir for uploads (auto-deleted). Default is ./_work; /tmp is fine on Railway.
+# EBS_WORK_DIR=/tmp/ebs-work
+
+# Max upload size in bytes (default 15 MB).
+# EBS_MAX_UPLOAD_BYTES=15728640

.gitignore

@@ -0,0 +1,12 @@
+.venv/
+__pycache__/
+*.pyc
+_work/
+*.out.csv
+*.out.xlsx
+.DS_Store
+
+# env
+.env
+.env.local
+# keep .env.example tracked

Procfile

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+web: uvicorn app.main:app --host 0.0.0.0 --port $PORT

app/__init__.py

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+"""Export Bank Statement — extractor service package."""

app/api/convert.py

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+"""POST /convert — PDF in, reconciled statement data out (JSON or .xlsx).
+
+Stateless: the uploaded PDF is read into memory, processed in an isolated temp
+dir, and deleted before the response is built. Nothing is persisted.
+"""
+from __future__ import annotations
+
+import io
+import logging
+
+from fastapi import APIRouter, File, Header, HTTPException, Query, UploadFile
+from fastapi.responses import JSONResponse, StreamingResponse
+from openpyxl import Workbook
+
+from app.core.config import API_KEY, MAX_UPLOAD_BYTES
+from app.core.files import temp_pdf
+from app.engine.converter import BankStatementConverter, ExtractedStatement
+
+router = APIRouter()
+logger = logging.getLogger("ebs.convert")
+
+XLSX_MEDIA = "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet"
+
+
+def _is_pdf(file: UploadFile) -> bool:
+    if (file.content_type or "").lower() in {"application/pdf", "application/x-pdf"}:
+        return True
+    return (file.filename or "").lower().endswith(".pdf")
+
+
+def _statement_dict(st: ExtractedStatement) -> dict:
+    return {
+        "account": st.account,
+        "accountHolder": st.account_holder,
+        "period": st.period,
+        "openingBalance": st.opening_balance,
+        "closingBalance": st.closing_balance,
+        "reconciles": st.reconciles,
+        "reconcileStatus": st.reconcile_status,
+        "runningBalanceOk": st.running_balance_ok,
+        "statedSummaryOk": st.stated_summary_ok,
+        "reconciliationDetail": st.reconciliation_detail,
+        "transactions": [
+            {
+                "date": t.date,
+                "description": t.description,
+                "debit": t.debit,
+                "credit": t.credit,
+                "balance": t.balance,
+            }
+            for t in st.transactions
+        ],
+    }
+
+
+def _xlsx_bytes(statements: list[ExtractedStatement]) -> io.BytesIO:
+    wb = Workbook()
+    wb.remove(wb.active)
+    for n, st in enumerate(statements, 1):
+        ws = wb.create_sheet(f"Account{n}")
+        ws.append(["Date", "Description", "Debit", "Credit", "Balance"])
+        for t in st.transactions:
+            ws.append([t.date, t.description, t.debit, t.credit, t.balance])
+    buf = io.BytesIO()
+    wb.save(buf)
+    buf.seek(0)
+    return buf
+
+
+@router.post("/convert")
+async def convert(
+    file: UploadFile = File(...),
+    format: str = Query("json", pattern="^(json|xlsx)$"),
+    x_api_key: str | None = Header(default=None),
+):
+    if API_KEY and x_api_key != API_KEY:
+        raise HTTPException(status_code=401, detail="Unauthorized.")
+    if not _is_pdf(file):
+        raise HTTPException(status_code=415, detail="Only PDF files are accepted.")
+
+    data = await file.read()
+    if not data:
+        raise HTTPException(status_code=400, detail="Empty file.")
+    if len(data) > MAX_UPLOAD_BYTES:
+        mb = MAX_UPLOAD_BYTES // (1024 * 1024)
+        raise HTTPException(status_code=413, detail=f"File too large (max {mb} MB).")
+
+    try:
+        with temp_pdf(data) as pdf_path:
+            statements = BankStatementConverter(pdf_path).extract()
+    except Exception:
+        # Bad user input (corrupt / password-protected / not a real PDF) must
+        # surface as 4xx, never a 500. Logged for observability.
+        logger.exception("extraction failed for upload %r", file.filename)
+        raise HTTPException(
+            status_code=422,
+            detail="Couldn't read this PDF. It may be corrupt, password-protected, or not a valid PDF.",
+        )
+
+    if not statements or all(not s.transactions for s in statements):
+        raise HTTPException(
+            status_code=422,
+            detail="Couldn't read any transactions. If this is a scanned image, a clearer scan may help.",
+        )
+
+    if format == "xlsx":
+        return StreamingResponse(
+            _xlsx_bytes(statements),
+            media_type=XLSX_MEDIA,
+            headers={"Content-Disposition": 'attachment; filename="statement.xlsx"'},
+        )
+
+    return JSONResponse(
+        {
+            "count": sum(len(s.transactions) for s in statements),
+            "statements": [_statement_dict(s) for s in statements],
+        }
+    )

app/core/config.py

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+"""Service configuration & limits (env-overridable)."""
+from __future__ import annotations
+
+import os
+from pathlib import Path
+
+# Max upload size in bytes. Bank-statement PDFs are small; cap to stop abuse.
+MAX_UPLOAD_BYTES = int(os.getenv("EBS_MAX_UPLOAD_BYTES", str(15 * 1024 * 1024)))  # 15 MB
+
+# Local scratch dir for uploads. Must be a real on-disk path: the engine
+# rasterises pages for OCR *next to* the PDF, and Tesseract/Leptonica can't
+# always read the system /tmp. Kept out of git (see .gitignore).
+WORK_DIR = Path(
+    os.getenv("EBS_WORK_DIR", str(Path(__file__).resolve().parents[2] / "_work"))
+)
+
+# CORS allow-list (comma-separated). "*" for local dev; lock to the web origin
+# before public launch.
+ALLOWED_ORIGINS = [
+    o.strip() for o in os.getenv("EBS_ALLOWED_ORIGINS", "*").split(",") if o.strip()
+]
+
+# Shared secret the web BFF must send (header X-API-Key). When set, direct
+# callers without it are rejected — so nobody can hit the extractor and bypass
+# the web app's quota. Unset in local dev = open (for convenience).
+API_KEY = os.getenv("EBS_API_KEY") or None

app/core/files.py

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+"""Safe temp handling for uploaded bank statements.
+
+Bank data must never linger. Each upload is written into its OWN temp directory
+inside WORK_DIR, processed, and the whole directory is removed in a finally block
+— taking the PDF and any OCR scratch images (`.ocr_p*.png`, which the engine
+writes next to the PDF) with it. A per-request directory also keeps concurrent
+requests from clobbering each other's OCR scratch.
+"""
+from __future__ import annotations
+
+import contextlib
+import shutil
+import tempfile
+from collections.abc import Iterator
+from pathlib import Path
+
+from app.core.config import WORK_DIR
+
+
+@contextlib.contextmanager
+def temp_pdf(data: bytes) -> Iterator[Path]:
+    """Write `data` to an isolated temp dir, yield the PDF path, then delete the
+    whole dir (PDF + OCR scratch) no matter what."""
+    WORK_DIR.mkdir(parents=True, exist_ok=True)
+    workdir = Path(tempfile.mkdtemp(dir=str(WORK_DIR)))
+    pdf_path = workdir / "statement.pdf"
+    try:
+        pdf_path.write_bytes(data)
+        yield pdf_path
+    finally:
+        with contextlib.suppress(OSError):
+            shutil.rmtree(workdir, ignore_errors=True)

app/engine/converter.py

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+"""
+converter.py — hardened "Python-first" bank-statement PDF -> Excel/CSV converter.
+
+Free path, no LLM. Handles:
+  - gridlined tables (pdfplumber lines)
+  - borderless tables (word-position reconstruction)
+  - scanned/image PDFs (OCR: PyMuPDF rasterize + Tesseract)
+  - renamed headers (synonym map)            - single signed Amount column
+  - US (1,234.56) and EU (1.234,56) numbers   - relabeled opening/closing balances
+  - multiple accounts in one PDF (sectioning)
+Reconciliation (opening + Σcredits - Σdebits == closing) gates every result.
+
+Usage: python converter.py [statement.pdf]   (default ./sample_statement.pdf)
+"""
+from __future__ import annotations
+
+import csv
+import math
+import re
+import statistics
+import sys
+from dataclasses import dataclass, field
+from pathlib import Path
+
+import pdfplumber
+from openpyxl import Workbook
+
+# ---------------- number / date parsing ----------------
+
+def parse_money(value) -> float | None:
+    if value is None:
+        return None
+    s = str(value).strip()
+    if not s or s in {"-", "—"}:
+        return None
+    up = s.upper()
+    neg = ("(" in s and ")" in s) or "DR" in up or "-" in s   # '-' anywhere, e.g. "$-2,942.71"
+    t = re.sub(r"[^0-9.,]", "", s)
+    if not t:
+        return None
+    if "." in t and "," in t:                       # both separators present
+        t = t.replace(",", "") if t.rfind(".") > t.rfind(",") else t.replace(".", "").replace(",", ".")
+    elif "," in t:                                   # comma only
+        t = t.replace(",", ".") if (t.count(",") == 1 and re.search(r",\d{2}$", t)) else t.replace(",", "")
+    try:
+        v = float(t)
+    except ValueError:
+        return None
+    return -abs(v) if neg else v
+
+
+_MONTHS = {m: i for i, m in enumerate(
+    ["jan", "feb", "mar", "apr", "may", "jun", "jul", "aug", "sep", "oct", "nov", "dec"], start=1)}
+
+
+def norm_date(s: str) -> str:
+    s = (s or "").strip()
+    m = re.match(r"(\d{1,2})[/\-.](\d{1,2})[/\-.](\d{2,4})", s)
+    if m:
+        d, mo, y = m.groups()
+        y = "20" + y if len(y) == 2 else y
+        return f"{int(y):04d}-{int(mo):02d}-{int(d):02d}"
+    m = re.match(r"(\d{4})-(\d{2})-(\d{2})", s)
+    if m:
+        return s[:10]
+    m = re.match(r"(\d{1,2})\s+([A-Za-z]{3,})\s+(\d{4})", s)
+    if m:
+        d, mon, y = m.groups()
+        mo = _MONTHS.get(mon[:3].lower())
+        if mo:
+            return f"{int(y):04d}-{mo:02d}-{int(d):02d}"
+    return s
+
+
+# ---------------- header synonyms ----------------
+
+_CANON = {
+    "date": ["transaction date", "txn date", "value date", "posting date", "trans date", "date"],
+    "balance": ["running balance", "closing balance", "balance amount", "balance"],
+    "debit": ["debit amount", "withdrawals", "withdrawal", "money out", "paid out", "debit", "dr"],
+    "credit": ["credit amount", "deposits", "deposit", "money in", "paid in", "credit", "cr"],
+    "amount": ["amount", "value"],
+    "description": ["description", "details", "narrative", "particulars", "memo", "reference", "remarks", "transaction"],
+}
+
+
+def map_header(cell: str) -> str | None:
+    c = (cell or "").strip().lower()
+    if not c:
+        return None
+    # whole-word match so short tokens like "cr"/"dr" don't hit "des(cr)iption"/"a(dr)ess"
+    for key in ("date", "balance", "debit", "credit", "amount", "description"):
+        for syn in _CANON[key]:
+            if re.search(r"\b" + re.escape(syn) + r"\b", c):
+                return key
+    return None
+
+
+# ---------------- model ----------------
+
+@dataclass
+class Transaction:
+    date: str
+    description: str
+    debit: float | None
+    credit: float | None
+    balance: float | None
+
+
+@dataclass
+class ExtractedStatement:
+    account: str | None = None
+    account_holder: str | None = None
+    period: str | None = None
+    opening_balance: float | None = None
+    closing_balance: float | None = None
+    transactions: list[Transaction] = field(default_factory=list)
+    reconciles: bool | None = None
+    reconciliation_detail: str = ""
+    # structured reconciliation result (each check is True/False/None=absent)
+    running_balance_ok: bool | None = None
+    stated_summary_ok: bool | None = None
+    # "verified" (all present checks pass) | "review" (checks disagree) |
+    # "failed" (all present checks fail) | "unverified" (nothing to check)
+    reconcile_status: str = "unverified"
+
+    @property
+    def empty(self) -> bool:
+        return not (self.transactions or self.opening_balance is not None
+                    or self.closing_balance is not None or self.account)
+
+
+# ---------------- the converter ----------------
+
+class BankStatementConverter:
+    def __init__(self, pdf_path):
+        self.pdf_path = Path(pdf_path)
+        self.statements: list[ExtractedStatement] = []
+
+    def extract(self) -> list[ExtractedStatement]:
+        events = []
+        with pdfplumber.open(self.pdf_path) as pdf:
+            for i, page in enumerate(pdf.pages):
+                base = i * 100000.0           # offset so global order == reading order
+                text = page.extract_text() or ""
+                page_ev = self._events_from_text_page(page) if text.strip() else self._events_from_ocr(i)
+                events += [(top + base, pri, kind, val) for (top, pri, kind, val) in page_ev]
+        events.sort(key=lambda e: (e[0], e[1]))   # by (top, priority)
+        self._assemble(events)
+        for st in self.statements:
+            self._reconcile(st)
+        return self.statements
+
+    # ----- text page (gridlined or borderless) -----
+    def _events_from_text_page(self, page):
+        ev = []
+        for ln in page.extract_text_lines():
+            kind, val = self._classify(ln["text"])
+            if kind:
+                ev.append((ln["top"], 0, kind, val))
+        tables = page.find_tables()
+        if tables:
+            for tb in tables:
+                ev.append((tb.bbox[1], 1, "table", tb.extract()))
+        else:  # borderless -> reconstruct from word positions
+            rows = self._rows_from_words(page.extract_words(), float(page.width))
+            if rows:
+                ev.append((rows[0][1], 1, "table", rows[0][0]))
+        return ev
+
+    # ----- scanned page (OCR) -----
+    def _events_from_ocr(self, page_index):
+        # pytesseract has a Py3.14 stderr-decode bug -> call tesseract CLI (TSV) directly
+        import csv as _csv
+        import io
+        import subprocess
+        import fitz
+
+        doc = fitz.open(self.pdf_path)
+        pix = doc[page_index].get_pixmap(dpi=300)
+        # write the temp image next to the PDF (tesseract/leptonica can't read /tmp here)
+        png = self.pdf_path.parent / f".ocr_p{page_index}.png"
+        png.write_bytes(pix.tobytes("png"))
+        try:
+            proc = subprocess.run(["tesseract", str(png), "stdout", "tsv"],
+                                  stdout=subprocess.PIPE, stderr=subprocess.DEVNULL)
+            tsv = proc.stdout.decode("utf-8", "ignore")   # don't decode tesseract's binary stderr
+        except FileNotFoundError:
+            return []
+        finally:
+            png.unlink(missing_ok=True)
+        words = []
+        for row in _csv.DictReader(io.StringIO(tsv), delimiter="\t", quoting=_csv.QUOTE_NONE):
+            txt = (row.get("text") or "").strip()
+            try:
+                conf = float(row.get("conf", "-1"))
+            except (TypeError, ValueError):
+                conf = -1
+            if txt and conf > 30:
+                x, y = int(row["left"]), int(row["top"])
+                w, h = int(row["width"]), int(row["height"])
+                words.append({"text": txt, "x0": x, "x1": x + w, "top": y, "bottom": y + h})
+        ev = []
+        # markers from OCR text lines
+        for line_text, top in self._lines_from_words(words):
+            kind, val = self._classify(line_text)
+            if kind:
+                ev.append((top, 0, kind, val))
+        rows = self._rows_from_words(words, float(pix.width))
+        if rows:
+            ev.append((rows[0][1], 1, "table", rows[0][0]))
+        return ev
+
+    # ----- marker classification -----
+    @staticmethod
+    def _classify(text):
+        if ":" not in text:
+            return None, None
+        label, _, val = text.partition(":")
+        L = label.strip().lower()
+        val = val.strip()
+        if "holder" in L:
+            return "holder", val
+        if "period" in L:
+            return "period", val
+        if any(k in L for k in ("opening balance", "balance brought forward", "brought forward",
+                                "opening", "beginning balance", "b/f")):
+            return "opening", val
+        if any(k in L for k in ("closing balance", "balance carried forward", "carried forward",
+                                "closing", "ending balance", "c/f")):
+            return "closing", val
+        if "account" in L:
+            return "account", val
+        return None, None
+
+    # ----- word-position table reconstruction (borderless + OCR) -----
+    def _lines_from_words(self, words):
+        if not words:
+            return []
+        ws = sorted(words, key=lambda w: (w["top"], w["x0"]))
+        heights = [w["bottom"] - w["top"] for w in ws if w["bottom"] > w["top"]]
+        ytol = (statistics.median(heights) if heights else 8) * 0.7
+        lines, cur, top = [], [ws[0]], ws[0]["top"]
+        for w in ws[1:]:
+            if abs(w["top"] - top) <= ytol:
+                cur.append(w)
+            else:
+                lines.append(cur)
+                cur, top = [w], w["top"]
+        lines.append(cur)
+        out = []
+        for ln in lines:
+            ln.sort(key=lambda w: w["x0"])
+            out.append((" ".join(w["text"] for w in ln), ln[0]["top"]))
+        return out
+
+    def _rows_from_words(self, words, page_width):
+        """Reconstruct a table from word positions. Columns are found from the
+        vertical whitespace gaps in the table region (robust for right-aligned
+        numbers). Returns [(rows, table_top)] or []."""
+        if not words:
+            return []
+        ws = sorted(words, key=lambda w: (w["top"], w["x0"]))
+        heights = [w["bottom"] - w["top"] for w in ws if w["bottom"] > w["top"]]
+        ytol = (statistics.median(heights) if heights else 8) * 0.7
+        lines, cur, top = [], [ws[0]], ws[0]["top"]
+        for w in ws[1:]:
+            if abs(w["top"] - top) <= ytol:
+                cur.append(w)
+            else:
+                lines.append(sorted(cur, key=lambda w: w["x0"]))
+                cur, top = [w], w["top"]
+        lines.append(sorted(cur, key=lambda w: w["x0"]))
+
+        hdr_idx = None
+        for i, ln in enumerate(lines):
+            t = " ".join(w["text"] for w in ln).lower()
+            if "date" in t and any(k in t for k in
+                                   ("balance", "amount", "credit", "debit", "deposit", "withdraw",
+                                    "description", "details")):
+                hdr_idx = i
+                break
+        if hdr_idx is None:
+            return []
+
+        region = lines[hdr_idx:]                       # header + data rows only
+        # merge word x-intervals into column "bands" separated by whitespace gaps
+        intervals = sorted((w["x0"], w["x1"]) for ln in region for w in ln)
+        merge_tol = max(4.0, 0.006 * page_width)        # < inter-column gap, > intra-word spaces
+        bands = []
+        bx0, bx1 = intervals[0]
+        for x0, x1 in intervals[1:]:
+            if x0 - bx1 <= merge_tol:
+                bx1 = max(bx1, x1)
+            else:
+                bands.append((bx0, bx1)); bx0, bx1 = x0, x1
+        bands.append((bx0, bx1))
+        ncol = len(bands)
+        bounds = [-math.inf] + [(bands[j][1] + bands[j + 1][0]) / 2 for j in range(ncol - 1)] + [math.inf]
+
+        def assign(line):
+            row = [""] * ncol
+            for w in line:
+                cx = (w["x0"] + w["x1"]) / 2
+                for j in range(ncol):
+                    if bounds[j] <= cx < bounds[j + 1]:
+                        row[j] = (row[j] + " " + w["text"]).strip()
+                        break
+            return row
+
+        rows = [assign(region[0])]
+        for ln in region[1:]:
+            r = assign(ln)
+            if any(r):
+                rows.append(r)
+        return [(rows, region[0][0]["top"])]
+
+    @staticmethod
+    def _norm_acct(s):
+        return re.sub(r"\(cid:\d+\)", "", (s or "")).strip().lower()
+
+    # ----- assemble sections into statements -----
+    def _assemble(self, events):
+        cur = None
+
+        def fresh():
+            return ExtractedStatement()
+
+        for _top, _pri, kind, val in events:
+            if kind == "account":
+                same = (cur is not None and cur.account is not None
+                        and self._norm_acct(cur.account) == self._norm_acct(val))
+                # a repeated header for the SAME account is a page continuation, not a new statement
+                if cur and not cur.empty and not same and (cur.transactions or cur.closing_balance is not None):
+                    self.statements.append(cur); cur = fresh()
+                if cur is None:
+                    cur = fresh()
+                if cur.account is None or not same:
+                    cur.account = val
+            elif kind == "holder":
+                cur = cur or fresh(); cur.account_holder = val
+            elif kind == "period":
+                cur = cur or fresh(); cur.period = val
+            elif kind == "opening":
+                # only split when the previous statement actually closed; a repeated
+                # "brought forward" mid-run is a page continuation, not a new statement
+                if cur and cur.closing_balance is not None:
+                    self.statements.append(cur); cur = fresh()
+                cur = cur or fresh()
+                if cur.opening_balance is None:
+                    cur.opening_balance = parse_money(val)
+            elif kind == "closing":
+                cur = cur or fresh(); cur.closing_balance = parse_money(val)
+            elif kind == "table":
+                summ = self._summary_balances(val)     # Beginning/Ending balance table?
+                if summ:
+                    if cur and cur.transactions:        # new summary block => new statement
+                        self.statements.append(cur); cur = fresh()
+                    cur = cur or fresh()
+                    cur.opening_balance, cur.closing_balance = summ
+                else:
+                    cur = cur or fresh()
+                    cur.transactions += self._parse_rows(val)
+        if cur and not cur.empty:
+            self.statements.append(cur)
+
+    @staticmethod
+    def _summary_balances(table):
+        """Detect a Beginning/Ending-balance summary table -> (opening, closing) or None."""
+        if not table or len(table) < 2:
+            return None
+        header = [(c or "").strip().lower() for c in table[0]]
+        if any("date" in h for h in header):
+            return None
+        o = next((i for i, h in enumerate(header) if "beginning balance" in h or "opening balance" in h), None)
+        cl = next((i for i, h in enumerate(header) if "ending balance" in h or "closing balance" in h), None)
+        if o is None or cl is None:
+            return None
+        vals = table[1]
+        op = parse_money(vals[o]) if o < len(vals) else None
+        clo = parse_money(vals[cl]) if cl < len(vals) else None
+        return (op, clo) if op is not None and clo is not None else None
+
+    def _parse_rows(self, table):
+        if not table or len(table) < 2:
+            return []
+        header = [(c or "").strip() for c in table[0]]
+        idx = {}
+        for j, h in enumerate(header):
+            key = map_header(h)
+            if key and key not in idx:
+                idx[key] = j
+        if "date" not in idx or not ({"balance", "amount", "debit", "credit"} & idx.keys()):
+            return []
+        out = []
+        for row in table[1:]:
+            cells = [(c or "").strip() for c in row]
+            if "date" not in idx or idx["date"] >= len(cells):
+                continue
+            raw_date = cells[idx["date"]]
+            if not raw_date or not re.search(r"\d", raw_date):
+                continue
+            debit = credit = None
+            if "debit" in idx or "credit" in idx:
+                debit = parse_money(cells[idx["debit"]]) if "debit" in idx and idx["debit"] < len(cells) else None
+                credit = parse_money(cells[idx["credit"]]) if "credit" in idx and idx["credit"] < len(cells) else None
+            elif "amount" in idx and idx["amount"] < len(cells):
+                amt = parse_money(cells[idx["amount"]])
+                if amt is not None:
+                    if amt < 0:
+                        debit = -amt
+                    else:
+                        credit = amt
+            balance = parse_money(cells[idx["balance"]]) if "balance" in idx and idx["balance"] < len(cells) else None
+            out.append(Transaction(norm_date(raw_date),
+                                   cells[idx["description"]] if "description" in idx and idx["description"] < len(cells) else "",
+                                   debit, credit, balance))
+        return out
+
+    def _reconcile(self, st, tol=0.02):
+        txns = st.transactions
+        credits = sum(t.credit or 0.0 for t in txns)
+        debits = sum(t.debit or 0.0 for t in txns)
+        parts = []
+
+        # (1) running-balance integrity — validates the balance column directly (label-free)
+        integrity = None
+        if txns and all(t.balance is not None for t in txns):
+            derived_open = round(txns[0].balance - ((txns[0].credit or 0) - (txns[0].debit or 0)), 2)
+            prev, bad = derived_open, 0
+            for t in txns:
+                if abs(round(prev + (t.credit or 0) - (t.debit or 0), 2) - t.balance) > tol:
+                    bad += 1
+                prev = t.balance
+            integrity = (bad == 0)
+            parts.append(f"running-balance {'✓' if integrity else f'✗ ({bad} bad)'} "
+                         f"(derived {derived_open:,.2f}→{txns[-1].balance:,.2f})")
+
+        # (2) stated-summary match — opening + credits - debits == closing
+        summary = None
+        if st.opening_balance is not None and st.closing_balance is not None and txns:
+            summary = abs((st.opening_balance + credits - debits) - st.closing_balance) <= tol
+            parts.append(f"stated-summary {'✓' if summary else '✗'} "
+                         f"({st.opening_balance:,.2f}+{credits:,.2f}-{debits:,.2f} vs {st.closing_balance:,.2f})")
+
+        st.running_balance_ok = integrity
+        st.stated_summary_ok = summary
+        present = [c for c in (integrity, summary) if c is not None]
+        if not present:
+            st.reconciles = None
+            st.reconcile_status = "unverified"
+            st.reconciliation_detail = "No balance column or stated totals to reconcile."
+        else:
+            # `reconciles` stays "either proof is enough" for backwards-compat;
+            # `reconcile_status` is the precise signal the UI uses.
+            st.reconciles = any(present)
+            if all(present):
+                st.reconcile_status = "verified"
+            elif any(present):
+                st.reconcile_status = "review"   # one check passes, another disagrees
+            else:
+                st.reconcile_status = "failed"
+            st.reconciliation_detail = " | ".join(parts)
+
+    # ----- export -----
+    def to_excel(self, out_path):
+        wb = Workbook(); wb.remove(wb.active)
+        for n, st in enumerate(self.statements, 1):
+            ws = wb.create_sheet(f"Account{n}")
+            ws.append(["Date", "Description", "Debit", "Credit", "Balance"])
+            for t in st.transactions:
+                ws.append([t.date, t.description, t.debit, t.credit, t.balance])
+        wb.save(out_path); return Path(out_path)
+
+    def to_csv(self, out_path):
+        with open(out_path, "w", newline="") as f:
+            w = csv.writer(f)
+            w.writerow(["Account", "Date", "Description", "Debit", "Credit", "Balance"])
+            for st in self.statements:
+                for t in st.transactions:
+                    w.writerow([st.account or "", t.date, t.description, t.debit, t.credit, t.balance])
+        return Path(out_path)
+
+
+# ---------------- demo ----------------
+
+def _print(statements):
+    flag = {True: "✅ PASS", False: "❌ FAIL", None: "⚠️  N/A"}
+    print("=" * 60)
+    print(f"STATEMENTS FOUND: {len(statements)}")
+    for n, st in enumerate(statements, 1):
+        print("-" * 60)
+        print(f"[{n}] account={st.account}  holder={st.account_holder}")
+        print(f"    open/close: {st.opening_balance} / {st.closing_balance}   txns: {len(st.transactions)}")
+        print(f"    reconcile : {flag[st.reconciles]}  | {st.reconciliation_detail}")
+    print("=" * 60)
+
+
+if __name__ == "__main__":
+    pdf = Path(sys.argv[1]) if len(sys.argv) > 1 else Path(__file__).parent / "sample_statement.pdf"
+    conv = BankStatementConverter(pdf)
+    sts = conv.extract()
+    _print(sts)
+    conv.to_excel(pdf.with_suffix(".out.xlsx"))
+    conv.to_csv(pdf.with_suffix(".out.csv"))

app/main.py

@@ -0,0 +1,29 @@
+"""Export Bank Statement — extractor service.
+
+A thin, stateless FastAPI wrapper over the proven extraction engine:
+PDF in -> reconciled statement data out. No storage, no auth (the web app's
+API layer owns quota/auth/billing); this service only extracts.
+"""
+from __future__ import annotations
+
+from fastapi import FastAPI
+from fastapi.middleware.cors import CORSMiddleware
+
+from app.api.convert import router as convert_router
+from app.core.config import ALLOWED_ORIGINS
+
+app = FastAPI(title="Export Bank Statement — Extractor", version="0.1.0")
+
+app.add_middleware(
+    CORSMiddleware,
+    allow_origins=ALLOWED_ORIGINS,
+    allow_methods=["GET", "POST", "OPTIONS"],
+    allow_headers=["*"],
+)
+
+app.include_router(convert_router)
+
+
+@app.get("/health")
+def health() -> dict:
+    return {"ok": True, "service": "extractor", "version": "0.1.0"}

nixpacks.toml

@@ -0,0 +1,5 @@
+# Railway / Nixpacks build for the FastAPI extractor — installs the Tesseract
+# system binary (for scanned PDFs) without a Dockerfile. Python deps come from
+# requirements.txt automatically; the start command is in the Procfile.
+[phases.setup]
+aptPkgs = ["tesseract-ocr"]

requirements-dev.txt

@@ -0,0 +1,4 @@
+-r requirements.txt
+reportlab
+pytest
+httpx

requirements.txt

@@ -0,0 +1,6 @@
+fastapi
+uvicorn[standard]
+python-multipart
+pdfplumber
+openpyxl
+pymupdf

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tests/generators/make_complex_pdf.py

@@ -0,0 +1,139 @@
+"""
+make_complex_pdf.py — generate a BIG, complex, multi-page bank statement PDF
+that must still reconcile and pass the (unedited) converter.
+
+Complexity: ~120 transactions across multiple pages, large comma-separated
+amounts, long/messy descriptions, mixed debits & credits. Balances are computed
+in integer cents so reconciliation is exact (no float drift). The header row is
+repeated on every page so the unedited converter parses every page's table.
+"""
+from __future__ import annotations
+
+import random
+from pathlib import Path
+
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import A4
+from reportlab.lib.styles import getSampleStyleSheet
+from reportlab.lib.units import mm
+from reportlab.platypus import (
+    SimpleDocTemplate, Paragraph, Spacer, Table, TableStyle,
+)
+
+HERE = Path(__file__).resolve().parent
+OUT_PDF = HERE / "complex_statement.pdf"
+
+random.seed(42)
+
+MERCHANTS = [
+    "AMAZON MARKETPLACE EU", "WOOLWORTHS 1234 SYDNEY NSW", "UBER *TRIP HELP.UBER.COM",
+    "DIRECT DEBIT - AGL ENERGY LTD", "SALARY - ACME CORP PTY LTD PAYROLL",
+    "TFR TO 062-000 12345678 RENT", "PAYPAL *STEAMGAMES 35314369001",
+    "BPAY To ASIC INV 9920183", "STRIPE TRANSFER ST-X8K2Q9", "ATM WDL CBA GEORGE ST",
+    "INTEREST PAID - CMA ACCOUNT", "NETFLIX.COM SUBSCRIPTION", "COLES 0456 CHATSWOOD",
+    "INTL TXN GITHUB.COM USD FEE", "DIVIDEND - VAS ETF DISTRIBUTION",
+    "TFR FROM SAVINGS 062-111 99887766", "QANTAS AIRWAYS DOMESTIC FARE",
+    "MEDICARE BENEFIT DEPOSIT", "OPTUS MOBILE POSTPAID 0400111222",
+    "REFUND - APPLE STORE ONLINE",
+]
+REFS = ["REF", "INV", "TXN", "ORD", "PMT", "RCPT"]
+
+
+def gen_transactions(n=120):
+    txns = []
+    day = 1
+    month = 1
+    year = 2025
+    for i in range(n):
+        # advance the date a little each row
+        day += random.randint(0, 3)
+        if day > 28:
+            day -= 28
+            month += 1
+            if month > 12:
+                month = 1
+                year += 1
+        merchant = random.choice(MERCHANTS)
+        ref = f"{random.choice(REFS)}{random.randint(10000, 99999)}"
+        desc = f"{merchant} {ref}"
+        is_credit = random.random() < 0.42
+        if "SALARY" in merchant or "DIVIDEND" in merchant or "INTEREST" in merchant or "REFUND" in merchant or "BENEFIT" in merchant:
+            is_credit = True
+        if "BPAY" in merchant or "ATM" in merchant or "DIRECT DEBIT" in merchant or "RENT" in merchant:
+            is_credit = False
+        cents = random.randint(150, 850000)  # $1.50 .. $8,500.00
+        txns.append({
+            "date": f"{day:02d}/{month:02d}/{year}",
+            "description": desc,
+            "debit_c": 0 if is_credit else cents,
+            "credit_c": cents if is_credit else 0,
+        })
+    return txns
+
+
+def money(cents: int) -> str:
+    return f"${cents / 100:,.2f}"
+
+
+def build_pdf(txns, out_path: Path, opening_cents: int = 5_000_000):
+    styles = getSampleStyleSheet()
+    doc = SimpleDocTemplate(
+        str(out_path), pagesize=A4,
+        topMargin=16 * mm, bottomMargin=16 * mm,
+        leftMargin=14 * mm, rightMargin=14 * mm,
+    )
+
+    running = opening_cents
+    rows = [["Date", "Description", "Debit", "Credit", "Balance"]]
+    for t in txns:
+        running += t["credit_c"] - t["debit_c"]
+        tag = "CR" if running >= 0 else "DR"
+        rows.append([
+            t["date"],
+            t["description"],
+            money(t["debit_c"]) if t["debit_c"] else "",
+            money(t["credit_c"]) if t["credit_c"] else "",
+            f"{money(abs(running))} {tag}",
+        ])
+    closing = running
+
+    period = f"{txns[0]['date']} to {txns[-1]['date']}"
+    story = [
+        Paragraph("<b>Macquarie Cash Management Account</b>", styles["Title"]),
+        Spacer(1, 6),
+        Paragraph("Account: 987654321 - BUSINESS CASH MANAGEMENT ACCOUNT", styles["Normal"]),
+        Paragraph("Account Holder: COMPLEXICORP HOLDINGS PTY LTD", styles["Normal"]),
+        Paragraph(f"Statement Period: {period}", styles["Normal"]),
+        Paragraph(f"Opening Balance: {money(opening_cents)}", styles["Normal"]),
+        Paragraph(f"Closing Balance: {money(closing)}", styles["Normal"]),
+        Spacer(1, 10),
+    ]
+
+    tbl = Table(
+        rows,
+        colWidths=[22 * mm, 78 * mm, 26 * mm, 26 * mm, 30 * mm],
+        repeatRows=1,  # repeat header on every page so each page's table parses
+    )
+    tbl.setStyle(TableStyle([
+        ("GRID", (0, 0), (-1, -1), 0.4, colors.grey),
+        ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#1f3a5f")),
+        ("TEXTCOLOR", (0, 0), (-1, 0), colors.white),
+        ("FONTNAME", (0, 0), (-1, 0), "Helvetica-Bold"),
+        ("FONTSIZE", (0, 0), (-1, -1), 7),
+        ("ALIGN", (2, 0), (-1, -1), "RIGHT"),
+        ("VALIGN", (0, 0), (-1, -1), "MIDDLE"),
+    ]))
+    story.append(tbl)
+    doc.build(story)
+
+    credits = sum(t["credit_c"] for t in txns)
+    debits = sum(t["debit_c"] for t in txns)
+    return closing, credits, debits
+
+
+if __name__ == "__main__":
+    txns = gen_transactions(120)
+    closing, credits, debits = build_pdf(txns, OUT_PDF)
+    print(f"Wrote {OUT_PDF}")
+    print(f"{len(txns)} transactions")
+    print(f"opening $50,000.00 + credits {money(credits)} - debits {money(debits)} = closing {money(closing)}")

tests/generators/make_hard_tests.py

@@ -0,0 +1,200 @@
+"""
+make_hard_tests.py — adversarial PDFs to try to BREAK the unedited converter.
+
+Each function builds one statement that stresses a different real-world failure
+mode. We then run converter.py on each and see what survives.
+"""
+from __future__ import annotations
+
+import random
+from pathlib import Path
+
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import A4
+from reportlab.lib.styles import getSampleStyleSheet
+from reportlab.lib.units import mm
+from reportlab.platypus import SimpleDocTemplate, Paragraph, Spacer, Table, TableStyle
+
+HERE = Path(__file__).resolve().parent
+OUT = HERE / "hard"
+OUT.mkdir(exist_ok=True)
+random.seed(7)
+
+DESCS = ["AMAZON MKTPLACE", "WOOLWORTHS 1234", "SALARY ACME CORP", "BPAY ASIC",
+         "UBER TRIP", "AGL ENERGY DD", "NETFLIX SUB", "INTEREST PAID",
+         "TFR RENT 062000", "DIVIDEND VAS ETF", "COLES 0456", "OPTUS MOBILE"]
+
+
+def gen(n=15, opening_c=1_000_000):
+    rows, running = [], opening_c
+    d = 1
+    for i in range(n):
+        d += random.randint(1, 2)
+        is_cr = random.random() < 0.45
+        c = random.randint(500, 400000)
+        running += c if is_cr else -c
+        rows.append({
+            "date": f"{min(d,28):02d}/03/2025",
+            "desc": f"{random.choice(DESCS)} REF{random.randint(1000,9999)}",
+            "debit_c": 0 if is_cr else c,
+            "credit_c": c if is_cr else 0,
+            "bal_c": running,
+        })
+    return rows, opening_c, running
+
+
+def usd(c): return f"${c/100:,.2f}"
+def eur(c): return f"€{c/100:,.2f}".replace(",", "X").replace(".", ",").replace("X", ".")  # 1.234,56
+
+
+def build(path, header, data_rows, meta_lines, grid=True):
+    styles = getSampleStyleSheet()
+    doc = SimpleDocTemplate(str(path), pagesize=A4, topMargin=16*mm, bottomMargin=16*mm,
+                            leftMargin=14*mm, rightMargin=14*mm)
+    story = [Paragraph("<b>Test Bank Statement</b>", styles["Title"]), Spacer(1, 6)]
+    for m in meta_lines:
+        story.append(Paragraph(m, styles["Normal"]))
+    story.append(Spacer(1, 10))
+    tbl = Table([header] + data_rows, repeatRows=1)
+    style = [("FONTSIZE", (0, 0), (-1, -1), 7), ("ALIGN", (2, 0), (-1, -1), "RIGHT")]
+    if grid:
+        style += [("GRID", (0, 0), (-1, -1), 0.4, colors.grey),
+                  ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#1f3a5f")),
+                  ("TEXTCOLOR", (0, 0), (-1, 0), colors.white)]
+    tbl.setStyle(TableStyle(style))
+    story.append(tbl)
+    doc.build(story)
+
+
+def std_meta(op_c, cl_c, op_label="Opening Balance", cl_label="Closing Balance"):
+    return ["Account: 111222333 - TEST ACCOUNT", "Account Holder: TEST USER PTY LTD",
+            "Statement Period: 01/03/2025 to 31/03/2025",
+            f"{op_label}: {usd(op_c)}", f"{cl_label}: {usd(cl_c)}"]
+
+
+# ---- T1: borderless (no gridlines) ----
+def t1_no_gridlines():
+    rows, op, cl = gen()
+    data = [[r["date"], r["desc"], usd(r["debit_c"]) if r["debit_c"] else "",
+             usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"] for r in rows]
+    build(OUT/"t1_no_gridlines.pdf", ["Date","Description","Debit","Credit","Balance"],
+          data, std_meta(op, cl), grid=False)
+
+
+# ---- T2: scanned / image-only (no text layer) ----
+def t2_scanned():
+    try:
+        from PIL import Image, ImageDraw, ImageFont
+        from reportlab.pdfgen import canvas
+    except Exception as e:
+        print("  (skip t2 scanned — PIL missing:", e, ")"); return
+
+    def font(sz):
+        for p in ("/System/Library/Fonts/Supplemental/Arial.ttf", "/Library/Fonts/Arial.ttf",
+                  "/System/Library/Fonts/Helvetica.ttc"):
+            try:
+                return ImageFont.truetype(p, sz)
+            except Exception:
+                pass
+        return ImageFont.load_default(size=sz)
+
+    rows, op, cl = gen()
+    W, H = 1654, 2339  # A4 @ ~200dpi, crisp TrueType text = realistic clean scan
+    img = Image.new("RGB", (W, H), "white"); dr = ImageDraw.Draw(img)
+    f, fb = font(30), font(42)
+    y = 60
+    dr.text((60, y), "Test Bank Statement", fill="black", font=fb); y += 80
+    for line in std_meta(op, cl):
+        dr.text((60, y), line, fill="black", font=f); y += 46
+    y += 24
+    cols = [60, 320, 780, 1040, 1300]
+    for x, h in zip(cols, ["Date", "Description", "Debit", "Credit", "Balance"]):
+        dr.text((x, y), h, fill="black", font=f)
+    y += 54
+    for r in rows:
+        cells = [r["date"], r["desc"][:22], usd(r["debit_c"]) if r["debit_c"] else "",
+                 usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"]
+        for x, cell in zip(cols, cells):
+            dr.text((x, y), cell, fill="black", font=f)
+        y += 44
+    png = OUT/"t2_scan.png"; img.save(png)
+    c = canvas.Canvas(str(OUT/"t2_scanned.pdf"), pagesize=A4)
+    c.drawImage(str(png), 0, 0, width=A4[0], height=A4[1]); c.save()
+
+
+# ---- T3: renamed headers ----
+def t3_renamed_headers():
+    rows, op, cl = gen()
+    data = [[r["date"], r["desc"], usd(r["debit_c"]) if r["debit_c"] else "",
+             usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"] for r in rows]
+    build(OUT/"t3_renamed_headers.pdf",
+          ["Transaction Date","Details","Withdrawals","Deposits","Running Balance"],
+          data, std_meta(op, cl))
+
+
+# ---- T4: single signed Amount column ----
+def t4_signed_amount():
+    rows, op, cl = gen()
+    data = [[r["date"], r["desc"],
+             usd(r["credit_c"]) if r["credit_c"] else f"-{usd(r['debit_c'])}",
+             f"{usd(r['bal_c'])} CR"] for r in rows]
+    build(OUT/"t4_signed_amount.pdf", ["Date","Description","Amount","Balance"],
+          data, std_meta(op, cl))
+
+
+# ---- T5: European number format + euro symbol ----
+def t5_european_format():
+    rows, op, cl = gen()
+    data = [[r["date"], r["desc"], eur(r["debit_c"]) if r["debit_c"] else "",
+             eur(r["credit_c"]) if r["credit_c"] else "", f"{eur(r['bal_c'])} CR"] for r in rows]
+    meta = ["Account: 111222333 - TEST ACCOUNT", "Account Holder: TEST USER",
+            "Statement Period: 01/03/2025 to 31/03/2025",
+            f"Opening Balance: {eur(op)}", f"Closing Balance: {eur(cl)}"]
+    build(OUT/"t5_european_format.pdf", ["Date","Description","Debit","Credit","Balance"], data, meta)
+
+
+# ---- T6: two accounts in one PDF ----
+def t6_multi_account():
+    styles = getSampleStyleSheet()
+    doc = SimpleDocTemplate(str(OUT/"t6_multi_account.pdf"), pagesize=A4,
+                            topMargin=16*mm, bottomMargin=16*mm, leftMargin=14*mm, rightMargin=14*mm)
+    story = [Paragraph("<b>Test Bank Statement</b>", styles["Title"]), Spacer(1, 6)]
+    for acc in ("Account: AAA-111", "Account: BBB-222"):
+        rows, op, cl = gen()
+        for m in [acc, f"Opening Balance: {usd(op)}", f"Closing Balance: {usd(cl)}"]:
+            story.append(Paragraph(m, styles["Normal"]))
+        story.append(Spacer(1, 6))
+        data = [["Date","Description","Debit","Credit","Balance"]] + [
+            [r["date"], r["desc"], usd(r["debit_c"]) if r["debit_c"] else "",
+             usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"] for r in rows]
+        t = Table(data, repeatRows=1)
+        t.setStyle(TableStyle([("GRID",(0,0),(-1,-1),0.4,colors.grey),("FONTSIZE",(0,0),(-1,-1),7)]))
+        story.append(t); story.append(Spacer(1, 14))
+    doc.build(story)
+
+
+# ---- T7: relabeled balance lines (no "Opening Balance:") ----
+def t7_diff_balance_labels():
+    rows, op, cl = gen()
+    data = [[r["date"], r["desc"], usd(r["debit_c"]) if r["debit_c"] else "",
+             usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"] for r in rows]
+    build(OUT/"t7_diff_balance_labels.pdf", ["Date","Description","Debit","Credit","Balance"],
+          data, std_meta(op, cl, "Balance Brought Forward", "Balance Carried Forward"))
+
+
+# ---- T8: text-month dates (should still survive) ----
+def t8_text_dates():
+    rows, op, cl = gen()
+    months = {3: "Mar"}
+    data = [[f"{i+1:02d} Mar 2025", r["desc"], usd(r["debit_c"]) if r["debit_c"] else "",
+             usd(r["credit_c"]) if r["credit_c"] else "", f"{usd(r['bal_c'])} CR"]
+            for i, r in enumerate(rows)]
+    build(OUT/"t8_text_dates.pdf", ["Date","Description","Debit","Credit","Balance"],
+          data, std_meta(op, cl))
+
+
+if __name__ == "__main__":
+    for fn in (t1_no_gridlines, t2_scanned, t3_renamed_headers, t4_signed_amount,
+               t5_european_format, t6_multi_account, t7_diff_balance_labels, t8_text_dates):
+        fn()
+        print("built:", fn.__name__)

tests/generators/make_multipage_bf.py

@@ -0,0 +1,81 @@
+"""Repro fixture: ONE statement spread over several pages, repeating its account
+header and a 'Balance Brought Forward' line on every page (as many real bank
+PDFs — incl. the Indian statement that exposed this — do).
+
+The engine must treat this as a SINGLE statement, not one-per-page.
+"""
+from pathlib import Path
+
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import A4
+from reportlab.lib.styles import getSampleStyleSheet
+from reportlab.platypus import (
+    PageBreak,
+    Paragraph,
+    SimpleDocTemplate,
+    Spacer,
+    Table,
+    TableStyle,
+)
+
+OUT = Path(__file__).resolve().parents[1] / "fixtures" / "multipage_bf.pdf"
+
+
+def money(cents: int) -> str:
+    return f"{cents / 100:,.2f}"
+
+
+def main():
+    styles = getSampleStyleSheet()
+    rows_per_page, pages = 10, 3
+    opening = 5_000_000
+    running = opening
+    credits = debits = 0
+    txn = 0
+    story = []
+
+    for p in range(pages):
+        # repeated per-page header — the over-sectioning trigger
+        story.append(Paragraph("Account: 555000111 - ACME CURRENT ACCOUNT", styles["Normal"]))
+        story.append(Paragraph("Account Holder: ACME TRADING LTD", styles["Normal"]))
+        if p == 0:
+            story.append(Paragraph(f"Opening Balance: {money(opening)}", styles["Normal"]))
+        else:
+            story.append(Paragraph(f"Balance Brought Forward: {money(running)}", styles["Normal"]))
+        story.append(Spacer(1, 8))
+
+        data = [["Date", "Description", "Debit", "Credit", "Balance"]]
+        for _ in range(rows_per_page):
+            txn += 1
+            if txn % 3 == 0:
+                amt = 150_000
+                running += amt
+                credits += amt
+                data.append([f"2024-07-{txn:02d}", f"DEPOSIT {txn}", "", money(amt), money(running)])
+            else:
+                amt = 40_000
+                running -= amt
+                debits += amt
+                data.append([f"2024-07-{txn:02d}", f"PAYMENT {txn}", money(amt), "", money(running)])
+
+        t = Table(data, repeatRows=1)
+        t.setStyle(TableStyle([
+            ("GRID", (0, 0), (-1, -1), 0.5, colors.grey),
+            ("BACKGROUND", (0, 0), (-1, 0), colors.lightgrey),
+            ("FONTSIZE", (0, 0), (-1, -1), 8),
+        ]))
+        story.append(t)
+
+        if p == pages - 1:
+            story.append(Spacer(1, 8))
+            story.append(Paragraph(f"Closing Balance: {money(running)}", styles["Normal"]))
+        story.append(PageBreak())
+
+    SimpleDocTemplate(str(OUT), pagesize=A4).build(story)
+    print(f"wrote {OUT}")
+    print(f"{txn} txns across {pages} pages — ONE logical statement")
+    print(f"opening {money(opening)} + credits {money(credits)} - debits {money(debits)} = closing {money(running)}")
+
+
+if __name__ == "__main__":
+    main()

tests/generators/make_real_style_pdf.py

@@ -0,0 +1,89 @@
+"""
+make_real_style_pdf.py — faithful reproduction of the user's real-style US bank
+statement (First National Bank mock), block 1 (30 txns, 2 pages).
+
+Reproduces the REAL-WORLD structural features that synthetic tests lacked:
+  - account info as a label/value TABLE (no "Label:" colon lines)
+  - balances in a Beginning/Ending SUMMARY TABLE (not "Opening Balance: $X")
+  - a "Reference" column between Description and Debit
+  - gridded, multi-page transaction table with repeated header
+"""
+from __future__ import annotations
+from pathlib import Path
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import LETTER
+from reportlab.lib.styles import getSampleStyleSheet
+from reportlab.lib.units import mm
+from reportlab.platypus import SimpleDocTemplate, Paragraph, Spacer, Table, TableStyle
+
+HERE = Path(__file__).resolve().parent
+OUT = HERE / "real_style_statement.pdf"
+
+# (date, description, reference, debit, credit, balance) — transcribed from the real PDF
+TXNS = [
+    ("04/01/26", "POS PURCHASE MERCHANT 1", "REF10001", "37.35", "", "25,962.65"),
+    ("04/02/26", "POS PURCHASE MERCHANT 2", "REF10002", "49.70", "", "25,912.95"),
+    ("04/03/26", "ACH Payroll Deposit", "REF10003", "", "1,821.00", "27,733.95"),
+    ("04/04/26", "POS PURCHASE MERCHANT 4", "REF10004", "74.40", "", "27,659.55"),
+    ("04/05/26", "POS PURCHASE MERCHANT 5", "REF10005", "86.75", "", "27,572.80"),
+    ("04/06/26", "ACH Payroll Deposit", "REF10006", "", "1,842.00", "29,414.80"),
+    ("04/07/26", "POS PURCHASE MERCHANT 7", "REF10007", "111.45", "", "29,303.35"),
+    ("04/08/26", "POS PURCHASE MERCHANT 8", "REF10008", "123.80", "", "29,179.55"),
+    ("04/09/26", "ACH Payroll Deposit", "REF10009", "", "1,863.00", "31,042.55"),
+    ("04/10/26", "POS PURCHASE MERCHANT 10", "REF10010", "148.50", "", "30,894.05"),
+    ("04/11/26", "POS PURCHASE MERCHANT 11", "REF10011", "160.85", "", "30,733.20"),
+    ("04/12/26", "ACH Payroll Deposit", "REF10012", "", "1,884.00", "32,617.20"),
+    ("04/13/26", "POS PURCHASE MERCHANT 13", "REF10013", "185.55", "", "32,431.65"),
+    ("04/14/26", "POS PURCHASE MERCHANT 14", "REF10014", "197.90", "", "32,233.75"),
+    ("04/15/26", "ACH Payroll Deposit", "REF10015", "", "1,905.00", "34,138.75"),
+    ("04/16/26", "POS PURCHASE MERCHANT 16", "REF10016", "222.60", "", "33,916.15"),
+    ("04/17/26", "POS PURCHASE MERCHANT 17", "REF10017", "234.95", "", "33,681.20"),
+    ("04/18/26", "ACH Payroll Deposit", "REF10018", "", "1,926.00", "35,607.20"),
+    ("04/19/26", "POS PURCHASE MERCHANT 19", "REF10019", "259.65", "", "35,347.55"),
+    ("04/20/26", "POS PURCHASE MERCHANT 20", "REF10020", "272.00", "", "35,075.55"),
+    ("04/21/26", "ACH Payroll Deposit", "REF10021", "", "1,947.00", "37,022.55"),
+    ("04/22/26", "POS PURCHASE MERCHANT 22", "REF10022", "296.70", "", "36,725.85"),
+    ("04/23/26", "POS PURCHASE MERCHANT 23", "REF10023", "309.05", "", "36,416.80"),
+    ("04/24/26", "ACH Payroll Deposit", "REF10024", "", "1,968.00", "38,384.80"),
+    ("04/25/26", "POS PURCHASE MERCHANT 25", "REF10025", "333.75", "", "38,051.05"),
+    ("04/26/26", "POS PURCHASE MERCHANT 26", "REF10026", "346.10", "", "37,704.95"),
+    ("04/27/26", "ACH Payroll Deposit", "REF10027", "", "1,989.00", "39,693.95"),
+    ("04/28/26", "POS PURCHASE MERCHANT 28", "REF10028", "370.80", "", "39,323.15"),
+    ("04/29/26", "POS PURCHASE MERCHANT 29", "REF10029", "383.15", "", "38,940.00"),
+    ("04/30/26", "ACH Payroll Deposit", "REF10030", "", "2,010.00", "40,950.00"),
+]
+
+styles = getSampleStyleSheet()
+doc = SimpleDocTemplate(str(OUT), pagesize=LETTER, topMargin=14 * mm, bottomMargin=14 * mm,
+                        leftMargin=14 * mm, rightMargin=14 * mm)
+story = [
+    Paragraph("<b>FIRST NATIONAL BANK</b>", styles["Title"]),
+    Paragraph("123 Market Street, New York, NY 10001", styles["Normal"]),
+    Paragraph("MOCK STATEMENT – FICTIONAL DATA FOR SOFTWARE TESTING ONLY", styles["Normal"]),
+    Spacer(1, 8),
+]
+
+acct = Table([["Account Holder", "JOHN SAMPLE"],
+              ["Account Type", "Checking Account"],
+              ["Account Number", "XXXXXX4321"],
+              ["Statement Period", "04/01/2026 - 04/30/2026"]], colWidths=[45 * mm, 90 * mm])
+acct.setStyle(TableStyle([("GRID", (0, 0), (-1, -1), 0.5, colors.grey), ("FONTSIZE", (0, 0), (-1, -1), 9)]))
+story += [acct, Spacer(1, 8)]
+
+summary = Table([["Beginning Balance", "Deposits", "Withdrawals", "Ending Balance"],
+                 ["$24,580.12", "$12,440.00", "$8,915.45", "$28,104.67"]],
+                colWidths=[40 * mm, 35 * mm, 35 * mm, 40 * mm])
+summary.setStyle(TableStyle([("GRID", (0, 0), (-1, -1), 0.5, colors.grey), ("FONTSIZE", (0, 0), (-1, -1), 9)]))
+story += [summary, Spacer(1, 10)]
+
+rows = [["Date", "Description", "Reference", "Debit", "Credit", "Balance"]] + [list(t) for t in TXNS]
+tbl = Table(rows, colWidths=[20 * mm, 62 * mm, 26 * mm, 22 * mm, 22 * mm, 26 * mm], repeatRows=1)
+tbl.setStyle(TableStyle([
+    ("GRID", (0, 0), (-1, -1), 0.4, colors.grey),
+    ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#e6e6e6")),
+    ("FONTSIZE", (0, 0), (-1, -1), 8),
+    ("ALIGN", (3, 0), (-1, -1), "RIGHT"),
+]))
+story.append(tbl)
+doc.build(story)
+print("Wrote", OUT)

tests/generators/make_sample_pdf.py

@@ -0,0 +1,122 @@
+"""
+make_sample_pdf.py — build a realistic bank-statement PDF from the sample xlsx.
+
+This gives us a *test input* (a text-based PDF that looks like a real statement)
+so we can prove the Python-first converter works end-to-end.
+
+It reads the transactions out of Sample-CSV-Bank-Statement.xlsx, sorts them
+chronologically, recomputes a clean running balance from a $0.00 opening, and
+renders a header + a ruled transaction table.
+"""
+from __future__ import annotations
+
+import datetime as dt
+from pathlib import Path
+
+import openpyxl
+from reportlab.lib import colors
+from reportlab.lib.pagesizes import A4
+from reportlab.lib.styles import getSampleStyleSheet
+from reportlab.lib.units import mm
+from reportlab.platypus import (
+    SimpleDocTemplate, Paragraph, Spacer, Table, TableStyle,
+)
+
+HERE = Path(__file__).resolve().parent
+XLSX = HERE.parent / "Sample-CSV-Bank-Statement.xlsx"
+OUT_PDF = HERE / "sample_statement.pdf"
+
+
+def _to_float(v):
+    if v is None or v == "":
+        return None
+    try:
+        return float(str(v).replace(",", "").replace("$", "").strip())
+    except ValueError:
+        return None
+
+
+def load_transactions(xlsx_path: Path):
+    wb = openpyxl.load_workbook(xlsx_path, data_only=True)
+    ws = wb.active
+    rows = list(ws.iter_rows(values_only=True))
+
+    # find the header row (the one containing "Date")
+    header_idx = next(
+        i for i, r in enumerate(rows)
+        if r and any(str(c).strip().lower() == "date" for c in r if c is not None)
+    )
+    header = [str(c).strip().lower() if c is not None else "" for c in rows[header_idx]]
+    col = {name: header.index(name) for name in ("date", "description", "debit", "credit") if name in header}
+
+    txns = []
+    for r in rows[header_idx + 1:]:
+        if not r or r[col["date"]] is None:
+            continue
+        d = r[col["date"]]
+        if isinstance(d, dt.datetime):
+            date = d.date()
+        else:
+            continue
+        txns.append({
+            "date": date,
+            "description": str(r[col["description"]] or "").strip(),
+            "debit": _to_float(r[col["debit"]]),
+            "credit": _to_float(r[col["credit"]]),
+        })
+    txns.sort(key=lambda t: t["date"])
+    return txns
+
+
+def build_pdf(txns, out_path: Path, opening: float = 0.00):
+    styles = getSampleStyleSheet()
+    doc = SimpleDocTemplate(str(out_path), pagesize=A4,
+                            topMargin=18 * mm, bottomMargin=18 * mm,
+                            leftMargin=16 * mm, rightMargin=16 * mm)
+
+    # recompute a clean running balance so the statement reconciles
+    running = opening
+    table_rows = [["Date", "Description", "Debit", "Credit", "Balance"]]
+    for t in txns:
+        running += (t["credit"] or 0.0) - (t["debit"] or 0.0)
+        table_rows.append([
+            t["date"].strftime("%d/%m/%Y"),
+            t["description"],
+            f"${t['debit']:,.2f}" if t["debit"] else "",
+            f"${t['credit']:,.2f}" if t["credit"] else "",
+            f"${running:,.2f} CR",
+        ])
+    closing = running
+    period = f"{txns[0]['date'].strftime('%d/%m/%Y')} to {txns[-1]['date'].strftime('%d/%m/%Y')}"
+
+    story = [
+        Paragraph("<b>Macquarie Cash Management Account</b>", styles["Title"]),
+        Spacer(1, 6),
+        Paragraph("Account: 123456789 - CASH MANAGEMENT ACCOUNT", styles["Normal"]),
+        Paragraph("Account Holder: ABC Super Fund", styles["Normal"]),
+        Paragraph(f"Statement Period: {period}", styles["Normal"]),
+        Paragraph(f"Opening Balance: ${opening:,.2f}", styles["Normal"]),
+        Paragraph(f"Closing Balance: ${closing:,.2f}", styles["Normal"]),
+        Spacer(1, 12),
+    ]
+
+    tbl = Table(table_rows, colWidths=[24 * mm, 70 * mm, 24 * mm, 24 * mm, 28 * mm])
+    tbl.setStyle(TableStyle([
+        ("GRID", (0, 0), (-1, -1), 0.5, colors.grey),
+        ("BACKGROUND", (0, 0), (-1, 0), colors.HexColor("#1f3a5f")),
+        ("TEXTCOLOR", (0, 0), (-1, 0), colors.white),
+        ("FONTNAME", (0, 0), (-1, 0), "Helvetica-Bold"),
+        ("FONTSIZE", (0, 0), (-1, -1), 8),
+        ("ALIGN", (2, 0), (-1, -1), "RIGHT"),
+        ("VALIGN", (0, 0), (-1, -1), "MIDDLE"),
+    ]))
+    story.append(tbl)
+    doc.build(story)
+    return closing
+
+
+if __name__ == "__main__":
+    txns = load_transactions(XLSX)
+    closing = build_pdf(txns, OUT_PDF)
+    print(f"Wrote {OUT_PDF}")
+    print(f"{len(txns)} transactions, closing balance ${closing:,.2f}")

tests/test_accuracy.py

@@ -0,0 +1,85 @@
+"""Accuracy harness — the release gate.
+
+Runs the proven engine across the golden fixture corpus and asserts that every
+statement (a) yields transactions and (b) RECONCILES (the engine's own integrity
+check: running-balance and/or stated opening+credits-debits==closing).
+
+Run directly for a readable table:   python tests/test_accuracy.py
+Run under pytest for the gate:        pytest -q
+"""
+from __future__ import annotations
+
+import sys
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parent.parent
+sys.path.insert(0, str(ROOT))
+
+from app.engine.converter import BankStatementConverter  # noqa: E402
+
+FIXTURES = ROOT / "tests" / "fixtures"
+
+# The golden corpus: (fixture, expected number of statements). Every one is
+# expected to extract, reconcile, AND section into the right number of statements
+# (guards against over-/under-sectioning — e.g. a multi-page statement that wrongly
+# splits one-per-page).
+CASES = [
+    ("sample_statement.pdf", 1),
+    ("complex_statement.pdf", 1),
+    ("real_style_statement.pdf", 1),
+    ("two_block.pdf", 2),
+    ("multipage_bf.pdf", 1),  # multi-page, repeated account + "brought forward" headers
+    ("hard/t1_no_gridlines.pdf", 1),
+    ("hard/t2_scanned.pdf", 1),
+    ("hard/t3_renamed_headers.pdf", 1),
+    ("hard/t4_signed_amount.pdf", 1),
+    ("hard/t5_european_format.pdf", 1),
+    ("hard/t6_multi_account.pdf", 2),
+    ("hard/t7_diff_balance_labels.pdf", 1),
+    ("hard/t8_text_dates.pdf", 1),
+]
+
+
+def _run(name: str):
+    statements = BankStatementConverter(FIXTURES / name).extract()
+    n_txns = sum(len(s.transactions) for s in statements)
+    all_reconcile = bool(statements) and all(s.reconciles is True for s in statements)
+    return statements, n_txns, all_reconcile
+
+
+def test_corpus_reconciles():
+    """Hard gate: every fixture extracts, reconciles, and sections correctly."""
+    failures = []
+    for name, expect in CASES:
+        statements, n_txns, ok = _run(name)
+        if not statements or n_txns == 0:
+            failures.append(f"{name}: no transactions extracted")
+            continue
+        if len(statements) != expect:
+            failures.append(f"{name}: expected {expect} statement(s), got {len(statements)}")
+        if not ok:
+            detail = " ; ".join(f"{s.reconciles}:{s.reconciliation_detail}" for s in statements)
+            failures.append(f"{name}: did not reconcile -> {detail}")
+    assert not failures, "Accuracy regressions:\n" + "\n".join(failures)
+
+
+def _main() -> int:
+    flag = {True: "PASS", False: "FAIL", None: "N/A "}
+    passed = 0
+    print("=" * 80)
+    print(f"{'fixture':<34} {'stmts':>5} {'exp':>4} {'txns':>5}  reconcile")
+    print("-" * 80)
+    for name, expect in CASES:
+        statements, n_txns, ok = _run(name)
+        rec = " / ".join(flag[s.reconciles] for s in statements) or "—"
+        good = bool(statements) and n_txns > 0 and ok and len(statements) == expect
+        passed += 1 if good else 0
+        mark = "" if len(statements) == expect else "  <-- SECTION MISMATCH"
+        print(f"{name:<34} {len(statements):>5} {expect:>4} {n_txns:>5}  {rec}{mark}")
+    print("=" * 80)
+    print(f"RESULT: {passed}/{len(CASES)} fixtures extracted + reconciled + sectioned correctly")
+    return 0 if passed == len(CASES) else 1
+
+
+if __name__ == "__main__":
+    raise SystemExit(_main())