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 and post the 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 receivable organization. What's more, ETran works with your existing banks and financial institutions, merchant processor relationships, back-office systems, and check scanning hardware.

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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

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

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.

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.

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, 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 accelerate and automate cash application.

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).

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 receivable items via a secure, unified interface.

Internal A/R 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). For more information, visit our hosting partner, Armor.

Integrated Receivables + The Tools You Need


Advanced RDC

Efficiently and affordably deployed, configured and supported SaaS-based remote deposit capture (RDC) solutions to improve and accelerate check and remittance acceptance, processing and posting.


Online Payments

Offer your customers the ability to make convenient, contactless online payments (credit/debit card, ACH) with the addition of Electronic Invoice Presentment & Payment (EIPP) 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 into your existing mobile application.



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.


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 your lockbox remittance items.


Automated Cash Application

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

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 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 technology, and your corporate treasury  customers will achieve the game-changing results and costs savings. For more information, download our Integrated Receivables for Banking & Treasury eBook today. 

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Frequently Asked Questions: Integrated Receivables

Traditional legacy accounts receivable systems and dashboards that lack the ability to process, post and manage all incoming receivable items from a single platform (a.k.a. silos) are a major hinderance within businesses' receivable processes.

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.

By leveraging integrated receivables technology, you can address, tear down, and put a 'stop' to silos in your accounts receivables. 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 A/R operations.

Unlike a dashboard that only displays transactions from disparate receivables systems, a truly integrated receivables solution can accept, 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.

ETran is a cloud-based solution that powers accounts receivables, across nearly every industry, by allowing internal teams to have complete oversight of all payment data for review, processing and posting into your back-office system(s). 

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 receivable management means you don’t have to change platforms or rebuild existing processes as your business needs  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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