Debt Collection Software Requirements and FAQs

Customization and Flexibility

Can Tratta be customized to fit our organization’s needs?

Yes. Tratta is highly configurable— customize branding, notices, payment options, communication templates, and consumer portal layout to fit how your firm operates and meet your unique debt collection software requirements.

Can Tratta be white-labeled?

Yes. You can brand the platform with your firm’s logo, colors, and even domain.

Can we customize payment options by account status?

Yes. You can configure different payment options depending on account status such as delinquent, in dispute, legal action pending, etc.

Can I create custom notices and communications?

Yes. Tratta allows you to create and manage custom notices including legal disclosures and consumer messages.

Will the system present disclosures varied by transaction and consumer?

Yes. Tratta supports dynamic presentation of disclosures based on account details, transaction type, jurisdiction, and consumer profile so that each user sees the right message at the right time.

Integrations

What integration methods does Tratta support for balance updates and payment history?

Tratta supports daily flat file transfers and can accommodate multiple file uploads per day based on your needs, ensuring seamless compliance with your debt collection software requirements.

How does Tratta ensure efficient data exchange?

Data is exchanged via SFTP and APIs. Delta files are recommended for faster updates, and Tratta integrates with systems like StratusPay and Cogent.

Omnichannel Communications

How are campaigns and notifications managed?

You configure the rules for automated notifications. For bulk campaigns, your team approves content and uploads recipient lists—we handle the sending.

How does texting work within Tratta?

Texts are sent from firm-owned numbers (1–3 per firm). Agents use templates within the platform, ensuring compliance and consistency.

Can we integrate a live chat tool?

Yes. Tratta supports third-party chat tools like Intercom that use a JavaScript snippet.

Does Tratta support broadcast messages via email and text?

Yes. You can send both automated and one-time messages to specific consumer groups.

Can Tratta block emails from work domains?

Yes. Custom suppression lists can block emails from domains like .gov, .edu, or firm-owned addresses.

How are bounced emails and texts handled?

Tratta provides detailed reports. Hard bounces are automatically added to a suppression list to maintain deliverability.

Payment Portal & Consumer Self Service

How are returned payments handled?

Returned Visa, debit, and ACH payments are logged and flagged for full visibility within the platform.

What can consumers do in the self-service portal?

They can dispute debts, upload documents, view balances and payment history, and access tailored settlement offers.

Can consumers reset their password on their own?

Yes. Password resets are fully automated.

Can consumers have multiple accounts?

Yes. Tratta supports unlimited accounts per consumer.

Payments + Merchant Services

Can consumers split one payment across multiple accounts?

Yes. Consumers can allocate payments manually, or Tratta can apply them based on rules like balance or account age.

What payment methods are supported?

Debit card, ACH, and Check21. Funds are routed to IOLTA accounts based on portfolio rules, and returns can come from trust or operating accounts.

Who processes the payments?

Tratta manages processing through an integrated third-party provider to ensure compliance with debt collection software requirements and financial regulations.

Reporting & Analytics

What reports are available?

You can track settlement offers, payment plans, consumer actions, and more. Reports are customizable and schedulable.

What standard reporting is included?

Activity logs, payment data, communication history, and portal usage—all configurable to fit your needs.

Does Tratta support APIs for reports and payments?

Yes. Tratta offers REST APIs for real-time transactions and custom reporting.

What analytics are available?

You’ll see metrics like open rates, plan performance, and portal usage through dashboards and filtered reports.

Support and Onboarding

What kind of support does Tratta offer?

Live support is available seven days a week during business hours, with 24/7 ticketing.

What’s your SLA for system issues?

Tratta typically responds within one hour in 99% of cases.

Setup takes around 30 days and includes system integration, portal setup, training, and ongoing support to align with your organization’s specific debt collection software requirements.

Multilingual Payment IVR

Does Tratta support multilingual payment options via IVR?

Yes. Tratta’s payment IVR supports both English and Spanish, allowing consumers to interact in their preferred language.

What type of IVR does Tratta offer?

Tratta offers a multilingual payment IVR—not a full phone system—that uses just-in-time API calls to verify accounts before accepting payments.

How does the IVR work with the online portal?

The IVR acts like a virtual extension of the consumer portal. Any payment activity through IVR is reflected online in real time.

How long does it take to set up the IVR?

The IVR setup is quick and efficient, so your firm can start offering phone-based payments without delay.

Campaigns

Does Tratta support campaign-based outreach?

Yes. Tratta allows clients to run email and SMS campaigns using customizable templates built directly within the platform.

How are campaigns created and launched?

Clients can submit ideas or templates, and Tratta quickly converts them into live campaigns. Currently, clients send a flat file of targeted accounts via encrypted SFTP, which is mapped once and reused for future launches

What kind of tracking is available for campaigns?

Each campaign tracks opens, clicks, call-ins, and payments. Dashboards display performance metrics by portfolio or client, and data can be exported or scheduled.

Can campaigns use multiple communication channels?

Yes. Campaigns can include multi-channel logic like email followed by SMS, and support personalized merge fields.

Can phone numbers be customized per campaign?

Yes. You can brand the platform wYes. Different phone numbers can be used for each campaign to track call-ins and match responses to specific outreach efforts.ith your firm’s logo, colors, and even domain.

Can campaigns help re-engage dormant accounts?

Yes. Campaigns can be targeted at aged or inactive accounts to reinitiate contact and encourage payment.

Is there a self-service campaign builder?

Tratta is developing a campaign builder that will allow users to launch campaigns automatically based on account or payment triggers with channel selection rules.

Can I export campaign reports automatically?

Yes. All reports can be automatically exported to your SFTP folder. Deliverability reports are available per campaign run, while events and suppression reports can be scheduled for daily exports. Each report includes a unique email ID for easy cross-referencing between datasets.

Security & Compliance

Is Tratta certified for data security and payment processing?

Yes. Tratta is SOC 2 Type II certified and a PCI DSS Level 1 service provider—the highest tier for secure payment processing.

Does Tratta store cardholder data?

No. Card data is tokenized immediately upon capture and Tratta does not store raw Primary Account Numbers (PAN), reducing breach risk and simplifying compliance.

How does Tratta support third-party audits?

Tratta assists with client audits by providing documentation, evidence packets, and live walkthroughs to meet auditor requirements.

How does Tratta secure admin access?

All admin logins require Two-Factor Authentication (2FA) via email code. SSO support for identity providers like Azure AD and Okta is also planned.

Can permissions be customized by user role?

Yes. Tratta supports fine-grained permissions, and unlimited custom roles so access to sensitive functions (like editing templates) can be tightly controlled.

Does Tratta offer vulnerability or security scans?

Yes. Tratta’s compliance team can run and share application-layer vulnerability scans upon request to support client due diligence and audit requirements

How is sensitive data transmitted?

Files are transferred via encrypted SFTP or authenticated REST APIs to ensure integrity and security in transit.

Is the platform accessible to users with disabilities?

Yes. Tratta uses an accessibility plugin (e.g., Accessibe) that complies with WCAG guidelines to support users with disabilities.

How are legal policy acceptances tracked?

Legal policies like Terms of Service and e-sign consent are version-controlled, timestamped, and stored. Acceptance can be required for compliance..

Can Tratta block unauthorized or high-risk transactions?

Yes. Rules can validate payer identity and block payments by state, IP range, or other factors to meet licensing or fraud prevention requirements.

How are chargebacks and returned payments handled?

Returned items and chargebacks are immediately reflected in reports, aiding in fast reconciliation and risk monitoring.

Can clients track compliance across operations?

Yes. You can configure different payment oYes. Tratta enables monitoring of internal and regulatory policy adherence across products, services, and vendors.ptions depending on account status such as delinquent, in dispute, legal action pending, etc.

Does Tratta support multiple users with different access levels?

Yes. The system supports multiple logins with role-based access control (RBAC) and 2FA for secure user governance.

How long is data retained?

All payments, communications, and documents are stored for at least seven years and are searchable and exportable in EML or PDF format.

TESTIMONIALS

Industry praise for Tratta’s debt collection software

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

‘‘Amazing. better than expected. we didn’t really even know how bad it was before the switch since we didn't get numbers and reports like we do now from you. We are collecting more, and have more data to make better business decisions going forward.’’

Robert MacArthur

Technology Support Specialist, Collect Northwest & Resolution Recievables

‘‘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

FAQs: How Tratta Meets Your Debt Collection Software Requirements