Process payments quickly, easily, and via consumers' preferred methods. Tratta’s payment processing and merchant services are simple and secure to help you meet evolving expectations and build trust.
Gain flexibility, visibility, and control. Tratta’s embedded debt collection merchant services include configurable payment tools to help you collect faster, reduce risk, and tailor every transaction.
Accelerate Payments
Process payments faster with fewer steps and fewer delays. No more chasing down cards or logging into separate systems.
Slash Operational Costs
Save time, reduce manual effort, and eliminate third-party fees with integrated processing, automation, and native plan management tools.
Boost Recovery Rates
Flexible payment options and real-time validation tools help convert more consumers while reducing errors and reversals.
Millions of consumers trust companies that use Tratta
Comprehensive Capability
End-to-End Processing Power
Tratta’s fully integrated system eliminates the need for third-party patchwork. From gateway to next-day funding, everything you need to move faster, safer, and smarter is built in.
Electronic Payments
Payment Processing
Full‑Stack Processing & Gateway
Data‑Driven Payment Optimization
Bring‑Your‑Own (BYO) Gateway Option
Routing to Multiple Bank Accounts
Next‑Day ACH Funding
Master Merchant ID / Simplified PCI
Multi‑Method Payment Support
Merchant‑Processing Relationship Facilitation
Payment Gateway & Tokenization Security
Payment Management
Smart Debt Collection Merchant Services
Give consumers tools to build plans, allocate payments, and manage interest. Tratta keeps you compliant without slowing operations or stalling development cycles.
Interest Calculation on Payment Plans
Payment Plan and Allocation Tools
Split‑Payment Allocation Across Accounts
Data‑Driven Payment Optimization
Configurable Payment Types by Portfolio/Client
Overpayment Prevention Controls
API‑Driven Payment Plans
PIF vs Settlement Recognition and Duplicate Check Protection
Real‑Time Balance Validation on Payment
Large‑Transaction and ACH Limit Controls
Saved Payment Methods and Plan Management
Risk‑Based Payment Method Tailoring
Balance Adjustments and Early Pay Offs
Customizable Settlement Plans
360° View
Reconciliation and Visibility Tools
Tratta's comprehensive debt collection merchant services ensure that every transaction is tracked, logged, and easy to audit. You'll have full control and clarity, right out of the box.
Transaction Management
Agent Features
Returned Payment Handling
Direct Chargeback Integration
Timestamp‑Based Balance Sync
“Just‑in‑Time” IVR Balance Update
Manual Check Entry
Transaction‑Fee Transparency
Returned Instrument and Chargeback Alerts
Funding Streams and Cut‑Off‑Time Management
Pro‑Forma Contract Workflow
Electronic Signatures
Frequently Asked Questions
Do you have questions about Tratta's debt collection merchant services? The answers you’re looking for are here.
Can consumers split one payment across multiple accounts?
What payment methods are supported?
Who processes the payments?
TESTIMONIALS
Industry Praise for Tratta’s Debt Collection Merchant Services
Why do debt collection executives love partnering with us? The reasons are as unique as the collection teams we serve.
‘‘Tratta has significantly enhanced RGS’s operational efficiency by automating processes to collect more payments online. I confidently recommend Tratta as a game-changer that delivers tangible results and empowers businesses to thrive in an increasingly digital world.’’
Chad Kruse
CIO, Williams & Fudge & RGS Financial
‘‘Card payments have doubled to almost 40% since we started using Tratta,” he says. “Last month, for the first time, card payments accounted for more than half of collections, so we’re seeing an upward trend. We have recovered over $650,000 more via Tratta compared to the amount we had collected via the old card processor and regained innumerable work hours in only seven months.’’
Clint Knisal
Director of Risk Management and Collections, Multi Service Fuel Card
‘‘The reporting is faster, way more accurate, and it's saved our team a ton of time. We’re getting insights we didn’t have before, and that’s helping us make better decisions faster. Huge thanks to the team for getting this up and running — it’s making a big difference already!’’
Jason Thompson
Chief of Staff, Accelerated Receivables Solutions
CUSTOMER-FIRST
Incomparable Customer Service is Our Number One Priority
From initial inquiry to seamless customer self-serve debt collection portal implementation and ongoing user support, every Tratta team member is committed to your total satisfaction.
‘‘We typically get the information we need the same day. It's been a great customer experience.’’
Clint Knisal, Director of Risk Management and Collections, Multi Service Fuel Card
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