Streamline Accounts Receivable Processes on a Single Platform.

One Platform to Accept, Process & Post Any Payment Method, from Any Payment Channel. Now That's True Integrated Receivables.

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About ETran

A truly integrated receivables solution is no longer just a vision, it’s a reality, with ETran by FTNI.

Unlike a dashboard that only displays transactions from disparate systems, ETran accepts, processes AND posts any payment type—check, single/recurring ACH/EFT, credit/debit card, cash—via any payment channel—mailed-in, lockbox, called-in, in-person, online, mobile—on a single, secure (and compliant), SaaS platform. 

A configurable ‘plug-n-play’ receivable processing hub, ETran supports efficient integration (batch or real-time) with any back-office system and works with your existing banking and merchant processor relationships.

What’s more, ETran also delivers robust electronic bill/invoice presentment and payment (EBPP/EIPP) across all desktop, online and mobile interfaces throughout the platform. Supporting the accounts receivable (A/R) operations of organizations across numerous industries, ETran accelerates and automates payment processing and back-office cash application operations all on a single platform. Get started today and learn how a true integrated receivables solution suite can send your A/R operations towards full accounts receivable automation.

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Multi-Layered SaaS Architecture

Consolidated front, middle and back-office receivable technology to power automated cash application and streamline payment processing on a single, cloud-based platform.


Flexible Administration

Cloud-based Modular Design 

Highly-configurable Build Down to the User-level

Extensive User Entitlement Options

Deep Data Structure

Payments Activity Research & Insights

Straight-through Processing (STP)

Easily Add New Users, Locations, Payment Methods and Channels


Intuitive Interface

Customizable Workflow Queues

Tailored Business Rule Automation

One-time & Recurring Payments

Responsive Online & Mobile User Experience

Intelligent Invoice Matching & Electronic Invoice Presentment and Payment (EIPP)

Responsible Artificial Intelligence

Data Entry Automation


Comprehensive Payments Hub

Enhanced Enterprise-wide A/R Oversight & Management

Real-time Visibility Across All Payment Activity

Robust Search & Report Tools

Proactive Collections Services

Configurable Branding Options

Multiple Layers of Security & Compliance 

Flexible Market System Integration

A Truly Integrated Receivables Solution—Defined. 

Any payment type or channel. Any bank or merchant processor. Any back-office system. One platform.

Welcome to...

Truly Integrated Receivables Solutions.

Receive and process any payment method—check (RDC), ACH/EFT, credit/debit card, cash—from any payment channel—mailed-in, lockbox (in-house or outsourced), called-in, in-person, AutoPay (automatic debit), recurring, online and mobile—all on a single, cloud-based receivable processing platform.

Improve and automate your cash application operations with configured integrated receivables that start where your needs are today, and offer insights to evolving your accounts receivable solutions for years to come. 

ETran comes equipped with Intelligent Invoice Matching and Electronic Invoice Presentment and Payment (EIPP) capabilities in order to match customers' payment information to outstanding invoices—all without your internal team having to touch any paper-based invoices down the line.

Capable of receiving open invoice and customer information via batch file or real-time API calls, ETran is able to automatically match incoming payments to invoices via artificial intelligence, reducing the time your A/R team spends on matching data and helping the way you apply cash into back-office systems.

ETran seamlessly integrates with any back-office system in either batch or real-time to streamline and automate the cash application process.

Convenient SaaS delivery–easily add new locations, sites, customer account data, payment methods and channels as your business needs grow and customer payment preferences evolve.

ETran adapts to your ever-evolving business needs. Agnostic by design, ETran maximizes flexibility and scalability by being compatible with your existing banks/financial institutions, merchant processor, back-office systems, and check scanning hardware.

An agnostic receivable system means you don’t have to change platforms or rebuild existing processes as your business needs change today, tomorrow and years into the future.

Streamline and automate business processes, workflows, and exception management to increase efficiencies and save cost in your accounts receivable organization.

ETran is configurable down to the user-level across multiple brands, LOBs, locations, solutions, sites, customers and more. ETran starts where your business needs are today, and paves the way for you to evolve your A/R for years to come.

Complete oversight and direct access to all your receivable items regardless of payment method or channel via a single, 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 research for your business and clients. 

With ETran's cloud-based architecture, you get the unique benefit of multiple layers of compliance and proactive security.

First, you'll benefit from PCI and HIPAA compliance directly at the ETran application layer. Second, you'll benefit from the industry leading proactive security operations and additional layer of compliance (PCI, HITRUST/HIPAA, SOC 2 and more) from our hosting partner, Armor

Put a 'Stop' to Silos in Your Receivable Operations, Processes & Technology with A/R Automation Software

Discover accounts receivable automation software to accelerate your current A/R processes and operations. With consolidated front, middle and back-office technology, you have the power of accounts receivable automation—all on a single, cloud-based payments gateway.

By utilizing a truly integrated receivables solution, you are able to improve your A/R and payment processing activities, leaving the legacy silos and dashboards of the past behind. Get started with A/R automation software today and learn how a true integrated receivables solution suite can accelerate and automate your back-office cash application operations.

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Modular by Design


Advanced RDC

Efficiently and affordably deployed, configured and supported SaaS-based remote deposit capture solutions to help you accelerate check and remittance acceptance, processing and posting—from your back-office to the bank.


Online Payments

Offer your customers the functionality to be able to make convenient, contactless online payments (credit/debit card, ACH) with the addition of Electronic Invoice Payment & Presentment and Intelligent Invoice Matching solutions.


Mobile Payments

Reduce DSO and accelerate cash flow by securely accepting checks, ACH, credit or debit card payments in the field via the ETran Mobile application, or by embedding mobile API technology into your existing mobile application/interface.


AutoPay and Recurring Payments

Streamlined initiation, acceptance and posting of recurring and automatic debit payments based on customers' unique payment terms and open invoices/statements—all with the added benefit of proactive email reminders and payment receipts.


Lockbox Processing

In-house and outsourced lockbox processing solutions that provide the flexibility and configurability you need to streamline the acceptance, processing, management and posting of your lockbox remittance items in a single pass.


Automated Cash Application

Seamlessly integrated, end-to-end automation with any back-office accounting/ERP/CRM system, in either batch or real-time, to streamline and accelerate the cash application process across your entire receivable organization.

Featured Resources

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eBook: A/R Automation

Download our free A/R Automation eBook today to discover a handy checklist for identifying and selecting an integrated receivables solution to meet your needs.

Download Now
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IR Spotlight: Tankersley Foods

Having suffered through manual A/R processes, Tankersley Foodservice, the largest independent foodservice distributor in Arkansas and Oklahoma, decided there had to be a better way.

Listen Now
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eBook: Mobile Payments

With this free eBook, learn how mobile payment acceptance is the next great wave of payment technology for traditional accounts receivable processes.

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Frequently Asked Questions

Unlike a dashboard that only displays transactions from disparate receivable systems, an integrated receivables platform accepts, processes and posts 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.  

By streamlining and automating payments receivables, a true integrated receivables solution reduces the amount or completely eliminates tedious, manual, time-consuming processes surrounding payment data entry, allowing your internal team to spend more time on higher value functions such as exception handling. 

Integrated receivables deliver cloud-based A/R solutions that streamline and accelerate receivable operations 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).  

Truly integrated receivables platforms are agnostic by design, maximizing efficiency, flexibility and scalability by being compatible with your existing financial institutions, merchant processor, back-office system, and check scanning hardware. An agnostic receivable management platform means you don’t have to change platforms or rebuild existing receivable processes as your business needs change today, tomorrow and years into the future.

Consolidated receivables allow A/R teams to manage all payment methods (check, ACH, credit/debit card, cash), across all payment channels (AutoPay, lockbox, mailed-in, called-in, in-person, online, mobile) from a single platform. This type of receivable management cuts down on traditional, manual, error-prone tasks typically associated with accounting practices.

Receivable management provides the ability to have complete oversight across your entire accounts receivable organization with direct access to all incoming payments, regardless of method or channel—all from a single, unified interface.

By having the ability to accept any payment method, via any payment channel—all on a single platform—you are able to automate cash application operations. 

Through the use of an integrated receivables platform, you are able to automate and streamline your cash application operations by allowing internal teams to have complete oversight of all incoming payment data. Payment information is able to be automatically sent for review, processing and posting into your back-office system(s) via either batch file or real-time API data transmission.

Receivables online means delivering a convenient, contactless online solution to make payments and view outstanding invoices. For example, electronic invoice presentment and payment (EIPP) capabilities deliver your customers with the ability to view and pay invoices associated with their account through a portal on your company website.

Accounts receivable (A/R) software provides business' internal receivable teams with the ability to accept, process, post and manage all incoming payments across the A/R organization. 

Unlike traditional receivable dashboards and legacy systems that don't allow for complete oversight across all payment activity, automated accounts receivable software delivers a single payments platform to streamline receivable processes. By accelerating payments receivables, internal teams are able to reduce or completely eliminate tedious, manual processes surrounding data entry. 

The receivables process is a company's unique path to accepting, processing, posting and managing all payments across the A/R organization.

Consolidate and automate your receivable and cash application operations by utilizing a payments platform that can seamlessly integrate with your current banking and merchant processor relationships, back-office system(s), and even check scanning hardware to adapt to your current business processes.  

By using A/R automation software that can accept, process and post in a single pass, you can automate and accelerate your receivables, improve your cash flow and focus your internal efforts and resources on higher value functions.

An example of accounts receivable would be an outstanding payment associated with a customer invoice. In this use case, you would be able to deliver your customers with multiple ways to pay this invoice including online or mobile payment acceptance, as well as AutoPay (automatic debit).

Automate your collections efforts and invoice payment by utilizing an A/R automation solution. By enabling customers to pay invoices faster through contactless electronic payment options, you can efficiently manage collections processes and reduce late payments in your A/R operations to help save time around payment acceptance, processing and posting.

By utilizing electronic payment solutions such as electronic invoice presentment and payment (EIPP), you enable your customers with the ability to view and pay invoices via an online portal. No contact with your internal collection team is required. Through a secure payment link embedded on your website, users gain instant access into invoices, stored payment methods, and other account details.

Traditional legacy A/R systems and dashboards that lack the ability to process, post and manage all incoming receivables items from a single platform (a.k.a. silos) are a major hinderance within businesses' receivable processes. Unlike integrated receivables, silos lack the intelligence to provide accuracy, insights and security across a single, cloud-based site. 

Reliance on multiple dashboards cobbled together that lack efficiency and visibility across your business only slows your internal operations, delays your cash flow, and ultimately, creates more work for your A/R organization. Like we always say, each time your A/R team has to touch or review a payment, it costs you money.

Get Started with FTNI Today