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AR Automation & Integrated Receivables

Accept, process, reconcile, and post payments across every channel on one, secure, cloud-based platform. 

With ETran, Ascendant clients now have access to accounts receivables automation alongside global payments and FX solutions. Finance teams can accept payments, match invoices, and post directly into their ERP from a single automated workflow.

 

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AR, AP and FX

One partner for the complete payments lifecycle.

In 2025, Ascendant acquired Financial Transmission Network, Inc. (FTNI), expanding our capabilities beyond global payments and foreign exchange into accounts receivable automation and integrated receivables.

By combining Ascendant’s global payments and FX infrastructure with FTNI’s ETran receivables platform, clients can now manage money in, money out, and reconciliation through one connected ecosystem. Ascendant clients now have access to enterprise AR automation alongside AP payments, global payment processing, and FX solutions, all through a single partner relationship.

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THE PROBLEM

Your AR workflow, without the manual work.

Most AR teams are managing payments across a patchwork of disconnected tools. Each one adds friction, delay, and risk to a process that should run itself.

 
Disconnected channels

ACH, check, card, lockbox, mobile and online channels often live in separate workflows. There’s no single place to see what has been received, what is still pending, or what is stuck.

Missing remittance data

Payments often arrive without enough detail to match them accurately. AR teams spend hours tracking down remittance details, resolving exceptions, and correcting postings after the fact.

Slow cash application

The gap between receiving a payment and posting it extends the close cycle, distorts visibility into cash flow, and puts AR teams under pressure every single month

No unified view

Without a single interface, it's nearly impossible to track payment status, spot bottlenecks, or report accurately on AR performance across the organization.

ETRAN BY FTNI

Integrated receivables built for modern finance teams

ETran is FTNI’s integrated receivables platform, trusted by more than 20,000 corporate users since 2007. Now part of Ascendant, ETran helps businesses automate receivables workflows from payment acceptance through reconciliation and ERP posting.

Finance teams can accept virtually any payment type, automate invoice matching and cash application, and connect receivables workflows directly into existing accounting and ERP systems.

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HOW IT WORKS

From payment received to books closed, without the handoffs

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Accept

Collect payments via check, ACH/EFT, credit/debit card, lockbox, online portal, mobile, and AutoPay, all in a single platform.

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Capture

Payment and remittance data are captured and read automatically, eliminating fragmented records and missing detail across channels.

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Match

Intelligent data validation and AI-powered data capture match payments to open AR and customer accounts from an accounting or ERP system. 

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Post

Validated payment data posts into your ERP or accounting system in batch or real time. No manual data entry required.

Payments post to your systems. Your team doesn't have to touch them.

ETran connects directly to your existing ERP and accounting systems, posting validated payment data in batch or real time without manual data entry or re-keying. There are no forced migrations and no changes to your current banking or processor relationships.

Whether you run SAP, Oracle NetSuite, Sage Intact, Microsoft Dynamics 365, or a mid-market accounting system, ETran integrates with your existing software, so your AR team has a single platform for all incoming payments.

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PLATFORM CAPABILITIES

Every capability your AR team needs

ETran is a highly-configurable, cloud-based receivables platform purpose-built to eliminate siloed systems and dashboards and streamline payment acceptance, remittance capture, invoice matching, and cash application.

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Advanced Check Processing

Affordably deployed remote deposit capture solutions to accelerate check and remittance acceptance, processing, and posting.

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Online Payments

Increase customer convenience with self-service payments through an online portal and electronic invoice presentment and payment (EIPP) capabilities.

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Mobile Payments

Accept check, ACH, and card payments in the field with ETran Mobile or by embedding payment acceptance capabilities into your existing mobile applications.

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Embedded Payments

Embed secure payment acceptance directly into your mobile application or website so customers can pay within your existing interfaces without redirects or additional portals.

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Lockbox Processing

Powering in-house and outsourced lockbox processing solutions including remote deposit capture, remittance document scanning, and seamless posting of payment data.

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Automated Cash Application

ETran integrates with any back-office/ERP system in either batch or real time to accelerate cash application by automatically applying and posting all payment data.

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REPORTING AND VISIBILITY

The data your AR team needs, without having to hunt for it.

Finance teams can only move as fast as their data. ETran gives AR managers, controllers, and CFOs a single place to search payment activity, run reports, and surface exceptions across every channel, entity, and payment type.

  • Custom Search & Report Tools

  • Automated Reporting Capabilities

  • Deep Data Structure

  • Archival Storage Features

  • Tailored Business Rule Automation

  • Configurable Branding Options

  • Financial Services Reporting

COMPLIANCE & SECURITY

Leave the data and compliance burden to us

ETran was designed from the ground up for industries handling sensitive financial and personal data. Compliance is built into the platform architecture, and is reinforced by a dedicated infrastructure layer operated by hosting partner Armor.

Armor's cloud infrastructure provides a second, independent layer of compliance and proactive threat monitoring on top of ETran's own application-level controls.

  • PCI DSS Compliant

  • HIPAA Compliant

  • SOC 2 Type II Certified

  • HITRUST Certified
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Automate your Accounts Receivable Processes Today

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FAQs

Receiving international business payments should be simple. If you can’t find the answer you’re looking for here, contact us

 

What is accounts receivable automation software?

Accounts receivable automation software helps finance teams reduce manual work tied to collecting, matching, posting, and reconciling incoming payments. Instead of managing checks, ACH payments, remittance data, and invoice matching across disconnected systems, AR automation centralizes the workflow into one platform.

Modern AR automation platforms can also integrate directly with ERP and accounting systems to accelerate cash application and improve visibility into incoming cash flow.

How does AR automation improve cash flow visibility?

AR automation gives finance teams real-time visibility into incoming payments, unapplied cash, exceptions, and reconciliation status across all payment channels.

By reducing delays between payment receipt and ERP posting, businesses gain a more accurate view of cash position, working capital, and outstanding receivables.

Can AR automation integrate with ERP and accounting systems?

Yes.  FTNI's Etran AR automation platform integrates directly with ERP and accounting systems such as SAP, Oracle, NetSuite, Microsoft Dynamics, and Sage.

These integrations help automate cash application, eliminate manual journal entries, reduce re-keying errors, and accelerate month-end close processes.

What payment types can AR automation platforms support?

Most enterprise AR automation solutions support multiple payment types including ACH, EFT, checks, wire transfers, credit cards, debit cards, lockbox payments, mobile payments, and online customer portals. This allows finance teams to manage all receivables activity from a single platform.

How does automated cash application work?

Automated cash application uses payment data, remittance information, invoice details, and configurable matching rules to automatically apply incoming payments to the correct customer accounts and invoices. This reduces manual reconciliation work and improves posting accuracy. 

What are the benefits of integrated receivables for finance teams?

Integrated receivables solutions help finance teams reduce manual data entry, accelerate reconciliation, improve reporting accuracy, shorten month-end close cycles, and eliminate disconnected workflows. They also help reduce payment exceptions and provide stronger visibility across the receivables process.

What industries benefit most from AR automation?

AR automation is commonly used by organizations managing high payment volumes, complex reconciliation workflows, or multiple payment channels.

This includes healthcare organizations, financial institutions, insurance providers, distributors, utilities, property management companies, manufacturers, and enterprise B2B finance teams.

Is integrated receivables software secure and compliant?

Yes. Enterprise integrated receivables platforms are typically built with layered security and compliance controls to protect sensitive financial and customer data.

Etran's compliance controls include PCI DSS compliance, SOC 2 certifications, HIPAA compliance, encrypted data storage, role-based access controls, and audit tracking capabilities.

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