E-Tran is a leading provider of IT financial services solutions. E-Tran's products are branded to the specifications of the financial institution. The service is an outsourced ASP turnkey end-to-end solution with seamless integration. E-Tran's data center is SAS 70 Level II compliant with a TruSecure Outsourced Technology certification.

We provide FI's the ability to originate ACH transactions acting as a sending point, with NACHA formatted files, to the ACH Operators or directly to the financial institutions processor. The FI maintains complete control over its ACH Origination process.

We enable FI's to offer business clients of all sizes secure, reliable, high or low volume online electronic cash management using ACH, Credit Cards and Touch-Tone phone. E-Tran supports various ACH applications. Transaction types include but are not limited to PPD, CCD, WEB, and TEL. E-Tran adheres to the NACHA Rules and Operating Guidelines. In addition E-Tran provides real-time reporting with complete audit trails including date and time stamped transaction history. E-Tran offers authentication, security, risk management, control limits, and client profiling in compliance with Regulation E, UCC4A, ANSI standards and other industry regulations as deemed appropriate.

ACH WebAccess provides financial institutions complete centralized ACH origination capabilities. This capability includes single entry debit and credit origination, scheduled recurring debit transactions, direct deposit of payroll, direct debit programs, corporate to corporate transactions and view/print/download reports.

ACH WebAccess allows the FI's business clients on-line access to a centralized ACH/Credit Card/Touch-tone phone electronic cash management system complete with ACH origination and returns, and a full line of reports intended to help the cash management professional manage their companies cash flow.

E-Tran's Electronic Lockbox is intended for the business client of the FI. The site is branded for the business client and provides the consumer the ability to pay their bill directly to the company owed using ACH and/or Credit Card. Electronic Lockbox allows the consumer to schedule and store payment information while providing a receipt and a confirming e-mail with full audit trail back to the consumer. In addition, Electronic Lockbox links to E-Tran's access system providing real-time reports for the business client on a transaction-by-transaction basis.

E-Tran's Electronic Lockbox also collects the billing information on a consumer account basis and creates a customized account receivable posting report that can be uploaded into a company's receivables system.