Utilities of all sizes are challenged to provide more sophisticated and competitive services—with fewer resources.


Creditron enables utilities of all sizes the ability to leverage the power and efficiency of proven, industry leading payment automation solutions.

Utilities are constantly challenged to provide more sophisticated and competitive services with fewer resources.  This is driving an industry-wide move toward payment processing and receivables solutions that include image-based remittance processing and EBPP.  Utilities must modernize, standardize and re-engineer their payment and receivables infrastructure.

Creditron delivers.  We offer complete utility solutions in several key areas:  image-based remittance processing, remote capture, receivables automation, automated cashiering for walk-up payments and electronic bill presentment and payment.

Automate Labor Intensive Tasks

Our remittance platform leverages imaging and data recognition technologies to provide features especially designed for the needs of utilities, including hot files that automatically notify you when payments on a specific account are scanned, safeguards against mis-posted payments and the associated error correction and customer dissatisfaction, the ability to handle multiple amounts for multiple services, and advanced amount recognition to eliminate the sorting of mixed net and gross payments, partial payments and multiple payments.  The solution also includes an image archive to eliminate paper filing and speed research.

What’s more, our image-based payment solutions integrate with all CIS systems.

Eliminate Trips to the Bank

Our remote capture solution increases the efficiency and effectiveness of payment workflows by enabling the capture of checks and documents at the point of presentment.

Remote capture from Creditron enables utilities to scan checks at their own locations and send electronic deposits, in lieu of paper, for posting.  With remote capture, utilities no longer have to make time-consuming trips to the branch.

The software automatically consolidates multiple deposit accounts and sites and prepares and uploads daily receivables into any accounts receivables program.  It even provides an image storage retrieval system for networked access to receivables information.

Streamline Receivables Automation

Our automated cash application solution is a proven Microsoft® Windows® system featuring scheduled bank FTP pulls, PGP file encryption, optical character recognition (OCR) data reading for onsite scanning, SQL Server® 2000 or higher support and user-configurable auto-matching rules.  It also includes auto-match/auto-posting capabilities, enhanced reporting, productivity tracking, workflow management, online Web access to payments, centralized data warehousing, 24/7 system availability and quick, accurate solution deployment.

The solution allows utilities to image their receivables and read checks to determine the amount and the check issuer (based on MICR data).  Scanned checks are then automatically matched to open invoices with an electronic deposit file created simultaneously.  When a check comes in where a discount, credit or return is applied, the software takes this into account and ensures correct cash application postings.  Users can view images of any open invoice, anytime, via the Web or an intranet to keep abreast of a payer’s A/R status.

Stop the Paper Chase

Our integrated EBPP solution enables a utility’s customer base to securely view, print and pay bills online, using a credit card, automated clearing house (ACH) transaction or other payment option.  The solution seamlessly interfaces with any legacy billing software, eliminating the need for utilities to change their current billing setup.

Solution Benefits

  • For utilities of all size
  • Automates labor intensive tasks
  • Measurably reduces operating costs
  • Improves operations efficiency
  • Increases service to customers

Key Features

  • Real-time data indexing and image viewing
  • User-configurable job setup
  • Scalability with support for multiple scanners
  • Check encoding and endorsement
  • Multiple processing workflows
  • Check conversion and image exchange functionality
  • Remote capture option
  • Advanced amount/data recognition technologies
  • Image keying
  • Comprehensive transaction reporting
  • Highly secure information access and delivery

Related Information

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