Advanced Lockbox Processing Solutions

Transform Your Lockbox & Remittance Processing Workflows with True Integrated Receivables 

In-House or Outsourced Lockbox Solutions. One Platform.

ETran's Advanced Lockbox Processing fits the bill no matter your needs. Whether your organization is looking for internal or outsourced lockbox processing solutions, FTNI's ETran integrated receivables suite features the lockbox management you need to accelerate your payment processing and cash application operations.

The decision to leverage a lockbox within your existing receivables mix—whether run internally or outsourced—is no small undertaking. FTNI's ETran platform delivers affordably implemented, easily configurable and conveniently maintained lockbox technology including advanced remote deposit capture (RDC), remittance document scanning, and seamless application of payment data into your back-office system(s).

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ETran by FTNI

Currently in use within corporate remittance processing workflows, financial institutions and third-party operators, ETran's Advanced Lockbox technology delivers the flexibility and configurability you need to accelerate the acceptance, processing, deposit, and application of all lockbox remittance items.

Discover the software and solutions you need today to automate and accelerate your payment and remittance processing services. With ETran by FTNI, you can improve cash flow, reduce manual errors and human intervention, and ultimately, automate your accounts receivable (A/R) and cash application process.

How ETran's Advanced Lockbox Solutions Work

Implement a lockbox processing solution that fits your business' unique payment processing and back-office workflows.

ETran supports the scanning and association of paper checks and remittance documents. Using optical character recognition (OCR) technology, meta data can be captured from check images and remittance advices for cash application purposes into any back-office system.

ETran's back-office and bank agnostic nature allows it to ingest detailed payment information from your outsourced lockbox and business' systems, and successfully match them via an automated process based on your unique business rules—i.e. 'consuming the feed'. Then, ETran can feed that data into your back-office and CRM systems.

Consuming and matching the transaction data with the appropriate customer accounts for automatic posting helps eliminate manual processes, and let's your employees focus on higher value functions such as exception handling. 

With FTNI's ETran platform, your company benefits from on-demand scalability and seamless integration capabilities with your existing banking relationships, as well as any accounting software and other back-office systems to automate the processing and posting of payments in a single pass—straight through processing.

Achieve true straight through processing of incoming payments from your internal or outsourced lockbox operations. ETran has the unique ability to seamlessly integrate with any back-office system in either batch or real-time to streamline and automate cash application operations. 

ETran adapts to your ever-evolving business needs and integrates with your existing relationships. Agnostic by design, the ETran platform helps maximize flexibility and scalability by being compatible with your banks/financial institutions, merchant processor, check scanner, and back-office system(s).

Upon login to the ETran system, users have complete oversight, visibility and direct access to all items via a secure, unified interface.

Internal accounts receivable teams can also improve oversight by utilizing ETran's robust search and reporting tools to analyze current business processes. Tailored to your unique business requirements, search and report can provide actionable insights and costs savings for your business. By creating standardized or customized reports, ETran provides your team with customers' transaction data and payment information in real-time.

ETran's SaaS architecture not only provides increased efficiency, but also multiple layers of security and compliance. At the application layer, ETran is both PCI and HIPAA compliant, as well as protected and equipped with complete security from our hosting partner, Armor. 

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Flexible Administration

Cloud-based Modular Design & Delivery

Highly-configurable Down to the User Level

Extensive User Options

Deep Data Structure

True Straight Through Processing


Intuitive Interface

Customizable Workflow Queues

Tailored Business Rule Automation

Exception Management

Responsive Interfaces

Data Entry Automation


Complete Payments Hub

Enhanced A/R Oversight

Robust Search & Report

Multiple Layers of Security & Compliance

Flexbile Integration Options

Proactive Collections

Complete Site Visibility


Cash Application

Seamlessly Integrated Automation

Any Back-office Systems

Batch or Real-time File Connectivity

Automated Cash Application

Complete Remittance Document Management

Flexible Lockbox Services to Deliver Accelerated Receivable Management

Improve your cash flow with truly integrated receivables lockbox services—all from a single, remittance processing platform. Whether you're looking for internal or outsourced lockbox solutions, ETran by FTNI powers your payments receivable needs.

Download our lockbox and remittance processing eBook for additional information around the key elements in adding payment solutions to help your A/R operational efficiency today. Check out our resources below to learn more.


Additional Information & Resources

Optimized Lockbox eBook Image

eBook: Lockbox Processing

Discover how businesses and banks can reach increased efficiencies within their current lockbox and remittance processing operations with truly integrated A/R automation solutions.

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Demo: ETran Remote Deposit Capture

Check payments are here to stay for the foreseeable future, regardless of the influx of electronic payments. Watch FTNI's ETran RDC demo video to learn how to boost your check processing. 

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Optimized Lock eBook Image

Data Sheet: ETran Lockbox Services

The decision to leverage lockbox services within your business is no small undertaking. FTNI's ETran platform offers affordably implemented, conveniently maintained lockbox solutions. 

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Frequently Asked Questions: Lockbox Solutions

Unlike a dashboard that only displays transactions from disparate receivable systems, a truly integrated receivables solution can accept, process and post any payment type—check, ACH/EFT, credit card, debit card, cash—via any payment channel—mailed-in, lockbox, called-in, in-person, online, mobile—on a single, secure (and compliant), SaaS platform. 

Internal Lockbox Operations: ETran is currently in use driving lockboxes at businesses processing as little as a few thousand checks and remittance documents per month, yet it is also powering lockbox operations processing nearly 1 million checks and associated documents monthly.

Outsourced Lockbox Operations: Currently used by banks, financial institutions and other third-party lockbox providers, FTNI delivers the technology and partnerships to support your outsourced lockbox needs.

ETran's Advanced RDC solutions deliver the ability to streamline the scanning and association of check payments. The RDC services quickly and efficiently read, process and associate checks with customers' accounts to speed check processing operations.

Once payments are uploaded and processed, the check payments are automatically deposited at a specific cutoff time and posted to your back-office system for cash application automation.

FTNI's platform, ETran, streamlines A/R workflows and processes by allowing internal teams to have complete oversight of all incoming payment data for review, processing and posting into your back-office system(s).

By streamlining and automating accounts receivable processes, truly integrated receivables solutions cut down or eliminate tedious, manual, time-consuming receivable tasks, allowing your internal team to spend more time on higher value functions such as exception handling.  

FTNI's ETran platform is a cloud-based, modular solution suite delivered in a SaaS model. Software-as-a-service delivery means significantly reducing, if not completely eliminating, all costs associated with having hardware managed on-site, as well as the dedicated staff and support needed to manage the on-premise systems.

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