As of October 2025
Payment systems run on images: check deposits, wire confirmations, invoices, remittances, KYC files, trade-finance paperwork. Current OCR chokes on handwriting, damage, and multilingual content, which is why so much still routes to manual review.
DeepSeek-OCR, released open source in October 2025, takes a different path. It reads a page as compressed visual tokens rather than a long string of text tokens, and the document volume in payments is exactly where that changes the economics.
Token compression
~10x
fewer tokens - a page needing about 1,000 text tokens encodes as about 100 visual tokens.
Precision
97%
decoding precision under 10x compression, falling to about 60% at 20x (DeepSeek-OCR report).
Throughput
200k+
pages per day on a single A100-40G GPU (DeepSeek-OCR report).
How it reads a page
The encoder pairs a SAM vision backbone for local detail with a CLIP backbone for global layout, joined by a 16x compressor. The decoder is a 3-billion-parameter mixture-of-experts that activates only about 570 million parameters per token. Fewer tokens carry the same information, and that is where the cost comes out.
Where it lands on benchmarks
At 100 vision tokens, DeepSeek-OCR surpasses GOT-OCR2.0 running at 256 tokens, and under 800 tokens it beats MinerU2.0, which averages over 6,000 tokens per page. It reconstructs tables and layouts that text-only systems flatten, and it handles handwritten amounts and damaged scans - the exact cases that send payment documents to manual review.

The constraint in banking AI was never model sophistication. It was the cost of reading millions of documents at scale while keeping accuracy and an audit trail.




