Tranzcapture

What Tranzcapture does

TranzCapture, LLC is a credit union service organization (CUSO) that provides remote deposit capture and check processing software to credit unions across the United States. Founded in 2015 and headquartered in Plano, Texas, the company is owned by five of the nation's largest corporate credit unions (Catalyst Corporate, Alloya, Corporate One, Vizo Financial, and Volunteer Corporate), which collectively represent over 3,000 credit unions—approximately 70% of all US credit unions. TranzCapture's core platform is a single, unified check management and deposit capture solution supporting all critical channels: mobile, ATM/ITM, teller, branch, and business capture. The platform integrates with leading core banking systems (Symitar, Corelation, Q2), digital banking providers (Alkami, Bankjoy, Banno, Lumin Digital, Mahalo), fraud prevention services (Early Warning, Advanced Fraud Solutions), and hardware vendors (NCR, Diebold Nixdorf, Canon, Panini), with over 30 technology integration partners in total.

The platform's module suite includes Mobile Capture (with 20+ integrations and real-time posting), ATM/ITM/Intelligent Kiosk Capture (24/7 availability), Teller Capture (real-time processing for fraud reduction), Branch Capture, Business Capture (for business members and select employee groups), Share Draft Processing (consolidated in-clearing and settlement), and a Fraud Prevention suite (duplicate detection, customizable risk review limits, real-time alerts). TranzCapture serves nearly 1,700 credit unions as core software users, with extended processing services reaching well beyond this base to approximately 70% of US credit unions nationwide.

The company operates as a B2B SaaS business on a per-transaction fee model, with pricing quote-based and not publicly disclosed. Go-to-market is exclusively through credit union channels—direct enterprise sales, distribution through the five founding corporate credit union partners, and indirect distribution via 30+ technology integration partners. The company targets credit unions of all sizes, from under $1 million to over $10 billion in assets. Its aggregated processing volume from ~1,700 credit unions drives economies of scale that lower per-transaction costs, and the CUSO cooperative ownership structure enables favorable pricing relative to for-profit competitors. No external venture capital, private equity, or public shareholders are indicated.

Name

Tranzcapture

Legal name

TranzCapture, LLC

Website

https://tranzcapture.org

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

TranzCapture is a credit union service organization that provides remote deposit capture and check processing software to credit unions nationwide. Owned by five corporate credit unions, it serves nearly 1,700 institutions through a unified multi-channel platform with 30+ technology integrations.

Ownership category

akta.pro rank

Product category

Deposit Capture Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Corporate Cash Management & Treasury ACH (FSAMAGAG)

akta.pro secondary industry

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Remote deposit capture
• Check processing software
• Credit union services
• Mobile check deposit
• Item processing platform

Headquarters

HQ city

Plano

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Check Processing and Deposit Capture Services: TranzCapture generates revenue through per-transaction processing fees for check deposit capture across all channels (mobile, ATM, teller, branch, business). The aggregated volume of check processing from nearly 1,700 credit unions ensures economies of scale. The company also provides extended processing services beyond the core software user base.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

TranzCapture provides a unified, end-to-end check management and deposit capture platform built exclusively for credit unions, integrating software and back-office processing across all critical channels including mobile, ATM/ITM, teller, branch and business capture. The platform also offers consolidated share draft processing for in-clearing, settlement and liquidity management, along with built-in fraud prevention capabilities. The company operates as a Credit Union Service Organization (CUSO) owned by five of the nation's largest corporate credit unions.

Product overview

TranzCapture is a single, unified credit union deposit capture platform that integrates software and back-office processing into an end-to-end solution. The core TranzCapture Platform supports all critical check capture channels: Mobile Capture, ATM/ITM/Intelligent Kiosk Capture, Teller Capture, Branch Capture, and Business Capture—all under one unified platform with integrations to leading core banking systems and digital banking providers. Extended services include Share Draft Processing for consolidated in-clearing, settlement and liquidity management. The platform also includes built-in Fraud Prevention with duplicate detection, customizable risk review limits, and advanced real-time fraud protection. TranzCapture serves nearly 1,700 credit unions as core software users, with extended processing services reaching approximately 70% of credit unions nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• TranzCapture Platform Single, cohesive end-to-end check management and deposit capture platform for credit unions that integrates software and back-office processing across all critical channels: branch, teller, ATM/ITM, mobile and business capture, with integrations to leading cores, digital banking and technical provider platforms.
• Deposit Services Deposit capture technology and processing services that meet the operational demands of credit unions across all capture channels, providing back-office item processing as an extension of the core platform.
• Share Draft Services Experienced check processing service that consolidates in-clearing into a single source for processing, settlement and liquidity management, combining deposit accounts and share draft processing under one secure login with white-glove support.
• Fraud Prevention A robust suite of fraud prevention features offering enhanced risk mitigation and early fraud detection for credit unions, including duplicate detection, customizable risk review limits, and real-time alerts and warnings for potentially fraudulent items across all deposit capture channels.

Quantifiable outcome

• Nearly 70% of all credit unions nationwide supported by TranzCapture solutions
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

AI capability3 records

Feature7 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• Jack Henry & Associates (Jack Henry Custom Solutions)flagshipTechnology or Integration · 10 December 2025TranzCapture joined Jack Henry Custom Solutions in December 2025, enabling deeper integration with Jack Henry's Symitar core banking platform and expanding distribution to credit unions using Jack Henry technology.
• Catalyst Corporate Federal Credit UnioncoreStrategic or Co-development Partner · 1 January 2015Texas-based Catalyst Corporate Federal Credit Union is one of five founding partners that established TranzCapture as a CUSO in 2015. As an owner, Catalyst Corporate provides strategic direction, member credit union referrals, and participates in system design and service enhancements.
• Alloya Corporate Federal Credit UnioncoreStrategic or Co-development Partner · 1 January 2015Illinois-based Alloya Corporate Federal Credit Union is a founding CUSO partner in TranzCapture. The partnership enables Alloya to offer deposit capture services to its member credit unions through the TranzCapture platform.
• Corporate One Federal Credit UnioncoreStrategic or Co-development Partner · 1 January 2015Ohio-based Corporate One Federal Credit Union is a founding partner in the TranzCapture CUSO, contributing to the aggregated volume that drives economies of scale for all participating credit unions.
• Vizo Financial Corporate Credit UnioncoreStrategic or Co-development Partner · 1 January 2015North Carolina-based Vizo Financial Corporate Credit Union is a founding CUSO partner providing strategic oversight and member credit union access to TranzCapture services.
• Volunteer Corporate Credit UnioncoreStrategic or Co-development Partner · 1 January 2015Tennessee-based Volunteer Corporate Credit Union is a founding partner in the TranzCapture CUSO, extending the partnership's reach to credit unions across the southeastern United States.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mitek Systems: Mitek is a direct competitor in mobile check capture and image analytics technology, providing mobile deposit solutions used by banks and credit unions. TranzCapture already integrates Mitek, highlighting the overlap in mobile deposit capture capabilities.
• OrboGraph: OrboGraph provides check processing and recognition technology used by financial institutions for deposit capture and fraud detection—directly competing with and currently integrated into TranzCapture's check processing workflow.
• Digital Check Corp: Digital Check provides check scanner hardware and imaging technology widely used for teller, branch, and remote deposit capture—serving many of the same credit union customers as TranzCapture and currently integrated as a TranzCapture partner.

Emerging players

• Alkami Technology: Alkami is a digital banking platform used by credit unions that increasingly embeds deposit capture capabilities. It is also an integration partner of TranzCapture, creating both complementary and potentially competitive overlap.
• Corelation: Corelation provides a core banking platform for credit unions that increasingly embeds deposit capture and item processing functionality, creating partial overlap with TranzCapture's value proposition.
• Q2 (Alianza): Q2 provides digital banking and core platforms for credit unions and community banks, including deposit capture features that compete at the channel layer with TranzCapture while also integrating through TranzCapture's partner network.

Broad incumbents

• Fiserv: Fiserv is a broad incumbent providing core banking, digital banking, and item processing solutions to credit unions and banks. Its integrated item processing suite competes directly with TranzCapture's check capture and processing platform.
• Jack Henry & Associates: Jack Henry is a major core banking and digital banking provider serving many credit unions via Symitar. The firm's recent Custom Solutions partnership with TranzCapture signals strategic alignment, but Jack Henry's broader portfolio could encompass competing deposit capture capabilities.
• NCR Corporation: NCR provides image-enabled ATMs and self-service kiosks with integrated deposit capture functionality used by credit unions and banks. TranzCapture integrates with NCR hardware but competes at the deposit capture software layer where NCR also has solutions.
• FIS (Fidelity National Information Services): FIS is a large incumbent financial technology provider offering deposit capture, image-based check processing, and transaction banking solutions serving banks and credit unions across the US—overlapping with TranzCapture's core function at a much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tranzcapture

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tranzcapture