True Integrated Receivables

One Platform to Accept, Process & Post Any Payment Method, from Any Payment Channel. 

Now That's True Integrated Receivables.

FTNI's vision for a true integrated receivables solution has always been to deliver companies and their business customers, across nearly every industry, the ability to accept, process, apply AND post any payment type, from any payment channel—all on a single, secure, SaaS platform. 

ETran, by FTNI, has taken that vision and made it a reality. Now you can accept any payment type (check (RDC), ACH, credit/debit card, cash) from any payment channel (AutoPay, mailed-in, lockbox, called-in, in-person, online, mobile) on a single platform that can efficiently process, apply and post the volume of payments you receive—all in a single pass (i.e. straight through processing). FTNI's ETran integrated receivables platform also comes with the added power of real-time visibility across your receivables organization. What's more, ETran works with your existing banks and financial institutions, credit merchant processor relationships, back-office systems, and check scanning hardware.

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ETran by FTNI

By utilizing a truly integrated receivables solution, you are able to improve your accounts receivable (A/R) and payment processing activities, leaving the legacy silos and dashboards of the past behind. Offer your internal A/R team and business clients the valuable insights, costs savings, and improved productivity that comes with true integrated receivables. 

Prepare your business for the way integrated receivables accelerates payment processing and cash application. Learn how to increase your cash flow with new revenue streams. And ultimately, help your A/R team to reduce the amount of time spent on tedious, manual processes surrounding data entry and exception processing.

Get started today and learn how a true integrated receivables solution suite can send your A/R operations towards full accounts receivable automation. Start with ETran by FTNI today to discover the insights you need to power your receivables management.

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

Improve and automate your cash application operations with configured integrated receivables that start where your needs are today, and offers 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) services in order to match customers' payment information to outstanding invoices with accuracy—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 links with any back-office system in either batch or real-time to accelerate and automate cash application by automatically applying all payment data with accuracy.

Convenient SaaS delivery and artificial intelligence services–easily add new locations, logins, sites, customer account data, methods, channels, and solutions as your business grows and evolves.

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

Streamline business tasks, workflows, and exception handling to increase efficiencies and save costs in your accounts receivable organization.

ETran is configurable down to the user-level across multiple brands, LOBs, logins, 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.

Upon login to the ETran system, users have complete oversight, visibility and direct access to all receivables 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 research for your business and clients. 

Reduce risk and enable enhanced security, support and payments privacy. With ETran's cloud-based architecture, you get the unique benefits of multiple layers of compliance and proactive security.

First, you'll gain PCI and HIPAA compliance directly at the ETran site layer. Second, you'll benefit from the industry-leading proactive security policies and an additional layer of compliance (PCI, HITRUST/HIPPA, SSAE16 and more). By using a cloud-based payments platform, you are able to lower the risk in your receivables, as well as increase your working capital without added internal support. For more information, visit our hosting partner, Armor.

Multi-Layered SaaS Architecture

Consolidated front, middle and back-office accounts receivable technology to power automated cash application and increase cash flow on a single, cloud-based, integrated receivables solution.


Flexible Administration

Cloud-based Modular Design

Highly-configurable Build Down to the User View

Extensive User Entitlement Options

Deep Data Structure 

Payments Activity Research & Insights

Straight Through Processing (STP)

On-going Support as Needed


Intuitive Interface

Customizable Workflow Queues

Tailored Business Rule Automation

One-time & Recurring Payments

Responsive Online & Mobile User Experience

Configurable Bank & Treasury Solutions

Data Entry Automation Services

Responsible Artificial Intelligence


Comprehensive Payments Hub

Enhanced Enterprise-wide Data Oversight

Real-time Visibility Across All Activity 

Proactive Collections Services

Robust Search & Report Tools

Configurable Branding Options

Flexible Market System Integration 

Working Capital Oversight

Put a 'Stop' to Silos in Your Accounts Receivables

Traditional legacy accounts receivable 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' receivables processes. Unlike integrated receivables products, silos lack the artificial intelligence needed to provide accuracy, insights and privacy 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.

Identify and address the silos within your business to improve productivity. Implement a truly integrated receivables solution today.

By leveraging integrated receivables technology, you can address, tear down, and put a 'stop' to silos in your accounts receivable practices. With the ability to process any payment type from any channel and post the remittance detail to your back-office system(s), all in a single pass, you can streamline your receivables. 

Experience the difference of truly integrated receivables solutions versus legacy dashboards. Prepare your business for the transformation of having complete control over your A/R and working capital, all from a unified interface.

Consolidate and automate your receivables and cash application process by utilizing solutions that can seamlessly integrate with your current banks/financial institutions, merchant processor relationships, and back-office system(s) to adapt to your current business processes. 

By using integrated receivables services, you can expect accelerated receivables from acceptance to processing and posting. Identify the modules that best fit your business in order to improve your cash flow and working capital, reduce DSO, and focus your internal efforts on higher value functions such as exceptions processing and handling.

Integrated Receivables + The Tools You Need


Advanced RDC

Efficiently and affordably deployed, configured and supported SaaS-based remote deposit capture solutions helping you to focus, improve and 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, no contact electronic payments (credit/debit card, ACH) online with the addition of Electronic Invoice Payment & Presentment and Intelligent Invoice Matching solutions.


Mobile Payments

Reduce DSO and experience a mobile payments transformation by securely accepting checks, ACH, or credit cards in the field via the ETran Mobile app, or by integrating mobile APIs/SDKs into your existing mobile application—all started with just the touch of a button.



Easily accept, manage and support recurring electronic payments (credit card/ACH) based on customers' unique payment terms and open invoices with the ability to send proactive email reminders and payment receipts with a click of a button.


Lockbox Processing

In-house or outsourced lockbox processing services that provide the flexibility, configurability and insights you need to streamline the acceptance, processing and posting of the total volume of your lockbox remittance items from the bank.


Automated Cash Application

Seamlessly integrated, end-to-end automation with any back-office and market accounting systems, in either batch or real-time, in order to streamline the cash application process, reduce risk and increase your cash flow across your receivables.

Discover True Integrated Receivables Treasury Solutions For Banks & Financial Institutions

If there's one thing we have learned over the history of our business, it is that no two businesses' A/R processes, analytics and visibility are the same. There is no proverbial "box" that you can fit companies and their associated processes into. 

If there's been a second thing we have learned, it has been that the use of numerous, disparate systems, services and manual processes used across many industries, including treasury and finance, to accept and manage customers' and clients' payments are inefficient and expensive to maintain.

Learn how banks can put an end to disparate processes and make the jump to a trusted technology advisor and business partner. You build the relationships, we’ll bring the products, and your corporate treasury clients and customers will achieve the game-changing services and costs savings delivered with true integrated receivables bank and treasury solutions. For more information around resources and content, download our Integrated Receivables for Banking & Treasury eBook today. 

Optimized Banking
Frequently Asked Questions: Integrated Receivables

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

By utilizing machine learning technology, a true integrated receivables solution reduces the amount or completely eliminates tedious, manual, time-consuming processes surrounding data entry of customers' payment information, allowing your internal team to spend more time on higher value functions such as exception processing and handling. Deliver your customers and A/R team with the business insights and modular products of true integrated receivables solution. Reach for accounts receivable automation software to ready your organization.

True integrated receivables solutions should enable you to start where your needs are today and conveniently scale the use of the platform over time, not the other way around. There is not "one size fits all" when it comes to industry A/R, so your solution should be the same.

FTNI's ETran integrated receivables platform is modular by design, allowing you to seamlessly grow ETran as your customers' payment preferences evolve over the years. By utilizing tools and solutions that fit your business, you are able to deliver a great customer experience and help increase customer adoption of your new payment modules. You are also able to accelerate A/R processes and grow your business' working capital.

An integrated receivables solution enables businesses with the ability to offer customers a better payment experience, as well as improve the way billing exceptions associated with incoming payments are handled. With the adoption of an automated accounts receivable software solution, your business will gain elevated, efficient A/R resources.

As adoption grows for your business customers, you will be able to deliver a better payment experience across the board from paper-based receivables to online and mobile payment solutions, including invoice presentment and payment capabilities. You will also be able to streamline your receivables processes so your internal team can focus on exceptions, instead of collections and deductions. By utilizing true integrated receivables, you will reduce DSO, increase cash flow, create new revenue streams, and reach fully automated payment processing.

ETran is a cloud-based solution that powers accounts receivables, across nearly every industry, by allowing internal teams to have complete oversight of all working capital data for review, processing and posting into your back-office system(s). ETran is also able to match data with accuracy to customer accounts and associated remittance information.

ETran is agnostic by design, maximizing efficiency, flexibility and scalability by being compatible with your existing banks/financial institutions, merchant processor relationships, and back-office system(s). Agnostic receivables management means you don’t have to change platforms or rebuild existing receivables processes as your business needs grow and change today, tomorrow and years into the future.

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

With this cloud-based delivery, there is no requirement for dedicated support and IT staff to go through tedious, time-consuming cycles of research and upgrading services on an ongoing basis. Upon login, ETran's system is able to automatically check for the latest security policies and updates so that users can have seamless access to the newest version every time they enter the system.

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