Icap (Integrated collections and payments) icap is a suite of software providing mobile electronic fund transfer (EFT) services for both collections and payments, and simultaneously providing integration with back-office systems, thereby resolving the conflict so often experienced between mobile distribution channels and back-office financial management and reconciliation software. Major benefits include the following • Increased collection success ratios and decreased rejection rates; and • Access to additional distribution channels for the collection of payments; and • Empower agents to increase productivity and sales via mobile virtual networks.