Question 1

What is Tratta?

Accepted Answer

Tratta is a unified accounts receivable platform purpose-built for the ARM (Accounts Receivable Management) industry. It combines a consumer-facing self-service payment portal, an agent console, a multilingual payment IVR, a contact center, and omnichannel campaign tools (email and SMS) into one platform. Tratta replaces the 3 to 5 disconnected tools most agencies juggle today with a single coordinated system. Over 50 clients trust Tratta to power their digital collections, with $1B+ processed since 2019.

Question 2

Is Tratta a system of record?

Accepted Answer

No. Tratta is a digital automation platform that sits on top of your existing system of record. We handle everything between "letter sent" and "dollar collected." You keep your system of record for data storage and lifecycle tracking. Tratta handles outreach, self-service payments, settlement offers, campaigns, and automation. We integrate with 33+ systems of record including CollectMax/JST, Vertican/CLS, Latitude, Artiva, Cogent, CollectOne, FACS, Aktos, DebtMaster, FICO/Debt Manager, Quantrax, and many more.

Question 3

Who does Tratta serve?

Accepted Answer

Three primary segments: - Collection agencies seeking to reduce tool sprawl, lower communication costs, and increase self-service payments - Creditor rights law firms needing compliant digital resolution for pre-suit, in-suit, and post-judgment workflows - First-party creditors and issuers wanting white-label brand control, scalable outreach, and clean data

Question 4

How is Tratta different from legacy collection management systems?

Accepted Answer

Systems like DAKCS, Latitude, and Collect! are systems of record. They store account data and manage the lifecycle. Tratta is the engagement and payment layer that sits on top. Your SoR is the database. Tratta is the customer experience. We do not replace your SoR. We make it dramatically more productive by automating outreach, enabling consumer self-service, and processing payments through a modern, compliant digital experience.

Question 5

How does Tratta compare to other digital collection platforms?

Accepted Answer

Tratta is purpose-built for the operational complexity of ARM agencies and law firms, not just the consumer experience layer. - Compared to single-purpose portals (PaymentVision, WayThru, RevSpring): Tratta provides a complete digital collections platform with a white-label consumer portal, automated payment plan negotiation, omnichannel campaigns, real-time analytics, and deep SoR integrations. - Compared to digital-first platforms (TrueAccord, InDebted, Lexop): Tratta provides the full operational stack (portal + payments + IVR + campaigns + contact center) with deeper SoR integration (33+ systems) and law-firm-specific features like trust/IOLTA routing.

Question 6

Can Tratta replace my current consumer portal and payment processor?

Accepted Answer

Yes, both. 97% of our clients use Tratta's payment processing because we offer interchange-plus pricing with full transparency. You can also keep your existing processor and integrate it through our gateway switching architecture.

Question 7

Should we build our own consumer portal instead?

Accepted Answer

Building in-house means diverting engineering resources from your core business, handling PCI compliance, maintaining payment processor integrations, and building consumer-facing UX from scratch. Most organizations underestimate the ongoing maintenance burden. Tratta provides a production-ready, continuously improving platform that typically launches in 35 to 75 days.

Question 8

Does Tratta charge per-seat or per-user fees?

Accepted Answer

No. You get unlimited staff accounts with 91 configurable permissions. No per-user fees, ever.

Question 9

Does Tratta support commercial debt?

Accepted Answer

Yes, for small-ticket commercial debt. Verification methods can be customized for businesses (tax ID last four, zip code) instead of personal data like SSN.

Question 10

Is Tratta available outside the United States?

Accepted Answer

Tratta currently operates in the United States only. International operations and non-USD currencies are not supported.

Question 11

How much does Tratta cost?

Accepted Answer

Three tiers, all annual agreements: - Pro: $500/month billed quarterly, for smaller teams. Includes up to $100,000 in self-service payment volume, $0.15/transaction, 1% on overage. - Enterprise: $2,500/month billed annually, for teams looking to scale effectively. Includes up to $500,000 in self-service payment volume, $0.10/transaction, 0.5% on overage. - Enterprise Plus: $10,000/month billed annually, optimized for large, high-volume firms. Includes up to $2M in self-service payment volume, $0.08/transaction, graduated overage rates. No per-seat fees. No onboarding fees. No setup fees. Unlimited users and accounts on all tiers. See tratta.io/pricing for full details.

Question 12

What are the payment processing fees?

Accepted Answer

Tratta offers competitive interchange-plus pricing with full transparency. No monthly minimums. We perform a cost savings analysis using your current merchant statements to show exactly how Tratta compares. Contact our sales team for a detailed rate quote based on your volume and portfolio.

Question 13

How much do campaigns cost?

Accepted Answer

Email and SMS campaign pricing is tiered based on volume. We recommend starting with email to validate ROI before adding texting. Contact our sales team for a quote based on your expected send volume.

Question 14

What is the contract length?

Accepted Answer

All tiers are annual agreements. Pro is billed quarterly, Enterprise and Enterprise Plus are billed annually. No multi-year lock-ins. We maintain over 98% annual client retention.

Question 15

What ROI can we realistically expect?

Accepted Answer

Based on our client data: - Law firms see a 25 to 35% increase in self-service payments within the first three months - 70% of clients see a 30% self-service increase within two months - One mid-size agency generated $125,000 paid and $60,000 promised within three days of launching a campaign - The platform typically reduces physical letter costs by 60 to 70% - One client reported an additional $650,000 in collections after deploying the self-service portal - 86% of consumers prefer to handle debt resolution through self-service, yet most agencies still do not offer it - Agencies that deploy consumer-friendly portals see debit card payments nearly double

Question 16

Can we upgrade pricing tiers mid-contract?

Accepted Answer

Yes. Upgrading resets your agreement to a new 12-month term at the higher tier. For example, if you upgrade from Pro to Enterprise after 3 months, a new annual agreement starts at that point.

Question 17

How long does implementation take?

Accepted Answer

It depends on the size and complexity of your organization. Based on historical onboarding data: - Pro (Standard complexity): 35 to 45 days to launch - Enterprise (Moderate complexity): 45 to 55 days to launch - Enterprise Plus (Complex implementations): 60 to 75 days to launch We run biweekly onboarding sessions the first month, then weekly as we approach launch. The biggest factor in timeline is speed of client material delivery.

Question 18

What does onboarding look like?

Accepted Answer

No onboarding fees. You are assigned a dedicated onboarding manager. The process follows 11 structured steps covering import file setup, SFTP configuration, document uploads, merchant onboarding, legal policies, disclosures, campaign setup, shortcode registration (the longest lead item at 8 to 12 weeks, started immediately), email campaigns, SMS campaigns, and IVR setup. You get a full sandbox environment from day one and retain sandbox access indefinitely after go-live. Monthly customer success calls continue after launch.

Question 19

What materials do I need to provide during onboarding?

Accepted Answer

Sample data file from your system of record, business documents for merchant underwriting, brand assets (logo, favicon), SFTP credentials, letter/notice templates, disclosure language, legal policies, IVR script approval, and compliance policies.

Question 20

Can we migrate existing payment plans from our current provider?

Accepted Answer

Yes. We recommend a phased approach: let existing plans run out on the old system while new plans go through Tratta. This avoids consumer confusion. We have extensive experience migrating clients from legacy payment providers and portals.

Question 21

What training is provided?

Accepted Answer

Train-the-trainer sessions, group training, and recorded sessions. Dedicated support is available post-launch, and comprehensive help documentation is available for ongoing reference.

Question 22

What can consumers do on the Tratta portal?

Accepted Answer

- View account balances, original creditor, and current creditor - Make one-time payments (full or partial, instant or scheduled) - Set up payment plans (weekly, biweekly, or monthly) - Accept settlement offers (lump sum or payment plan) - Make guest payments without registering - Submit disputes with in-app two-way communication - View and download associated documents - Update contact information and manage saved payment methods - Contact the agency through a secure form

Question 23

What percentage of portal traffic is mobile?

Accepted Answer

75 to 90% of consumers access the portal via mobile devices. The portal is fully mobile-adaptive.

Question 24

How does consumer verification work?

Accepted Answer

Easy verification using account number plus personal information (last 4 SSN, DOB, or ZIP code), or name-based lookup. Consumers can also register with a username and password for full access. Passwordless login is available via one-click session links from email, SMS, or QR codes on physical letters. Our verification success rate is 96%.

Question 25

Can consumers pay without creating an account?

Accepted Answer

Yes. Guest Payment allows consumers to make a one-time payment or accept a settlement offer without creating an account. It uses file number and zip code for verification. 96% of guest payment attempts succeed. Note: payment plans and scheduled payments require a registered account.

Question 26

How many clicks does it take to complete a payment?

Accepted Answer

Our target is 3 clicks from portal landing to payment confirmation.

Question 27

Can consumers see multiple accounts under one login?

Accepted Answer

Yes. If accounts are linked via personal identifiers (name, DOB, SSN, zip code), consumers see all their accounts under a single login.

Question 28

Can we customize portal branding and labels?

Accepted Answer

Yes. The portal is fully white-labeled with your logo, favicon, company name, contact details, and footer text. Interface labels are customizable (for example, "Account Number" can become "File Number"). You can also integrate code snippets for Google Analytics, live chat widgets, and other tools.

Question 29

Does Tratta support a Spanish language portal?

Accepted Answer

Yes. The portal supports English and Spanish with a language switcher. The IVR also supports bilingual interactions.

Question 30

Can we set up a custom portal URL?

Accepted Answer

Yes. Custom URLs like payments.yourfirm.com require DNS/CNAME records added to your domain host.

Question 31

Can phone agents see what the consumer sees?

Accepted Answer

Yes. The "Impersonate" feature lets agents view the consumer's exact portal experience for troubleshooting and assisted payments.

Question 32

Can consumers submit disputes through the portal?

Accepted Answer

Yes. The dispute feature is optional and configurable. Advanced Dispute supports in-app two-way communication between consumers and agents.

Question 33

What payment methods does Tratta support?

Accepted Answer

- Debit cards - Credit cards (configurable per client) - ACH (bank payments) - Check 21 (electronic check processing)

Question 34

What is Check 21?

Accepted Answer

Check 21 (electronic check processing) allows consumers to pay using their checking account information without writing a physical check. The payment is processed electronically, similar to ACH but with different clearing rules. It is available alongside debit card and ACH on supported portals.

Question 35

Can we configure which payment methods are available?

Accepted Answer

Yes. You can set payment method defaults (for example, ACH first), restrict to debit cards only (credit blocked via BIN detection), or disable ACH for specific creditors or clients.

Question 36

How does the convenience/service fee structure work?

Accepted Answer

Fees are customizable by payment method, balance range, geography, and client/creditor. They can be set as dollar amounts or percentages. Fees are charged as a separate transaction and disclosed transparently to consumers. Up to 80% of collected service fees are returned to the agency through monthly reconciliation.

Question 37

How long does ACH processing take?

Accepted Answer

ACH shows immediate approval in the system. Actual clearing takes 2 to 3 business days with a 48 to 72 hour reconciliation lag.

Question 38

What happens when a payment fails?

Accepted Answer

The system retries up to 3 times for card payments (configurable). For payment plans, the plan cancels after 2 consecutive scheduled payment failures. Consumers can restart a cancelled plan, with optional restrictions on which payment methods they can use.

Question 39

What is the difference between a void and a refund?

Accepted Answer

A void cancels a transaction before the daily batch closes. No money moves. A refund is a new transaction processed after the batch has closed, returning funds to the consumer in 5 to 7 business days.

Question 40

How do trust account deposits work for law firms?

Accepted Answer

Separate merchant accounts are configured per IOLTA/trust account. Payments route to the appropriate trust account automatically, while processing fees route to the operating account. This supports compliance with state bar regulations governing trust fund handling.

Question 41

What proof exists for web payment authorization?

Accepted Answer

Every payment generates an authorization record. Active authorization stores a signed PDF with the consumer's acceptance language, IP address, device information, and timestamp. These are retained indefinitely and available for download.

Question 42

Does Tratta prevent overpayments?

Accepted Answer

Yes. If the balance reaches $0 while scheduled payments exist, remaining payments are automatically canceled. If a scheduled payment amount exceeds the current balance, Tratta processes a reduced payment equal to the remaining balance.

Question 43

How do payment plans work?

Accepted Answer

Consumers set up recurring payments with configurable frequency (weekly, biweekly, or monthly). You set the rules: minimum payment amounts, maximum plan length, and allowed payment methods. Rules can be set globally or by balance brackets (for example, 2 months max under $500, 12 months max over $2,000). Plans execute automatically each day, and consumers receive reminder notifications before each scheduled payment.

Question 44

Can we set minimum payment amounts?

Accepted Answer

Yes. Configurable globally or by balance brackets. If the remaining amount for the final payment is less than the minimum, that remainder is added to the previous payment.

Question 45

How do pre-judgment payment plan arrangements work?

Accepted Answer

Consumers can set up an open-ended autopay plan showing only the next payment amount and date, with disclosure about possible balance changes. After judgment, Tratta updates the balance (including principal, costs, attorney fees, and accrued interest) and switches to a full payment schedule while continuing existing payments.

Question 46

What happens when a payment plan payment fails?

Accepted Answer

Plans cancel after 2 consecutive scheduled payment failures (not retries on a single payment). The retry count per individual payment is configurable (default is 3 retries). Consumers can set up a new plan after cancellation.

Question 47

Can agents modify payment plans after creation?

Accepted Answer

Yes. Agents with appropriate permissions can modify dates, amounts, and payment methods on active plans.

Question 48

When can a payment plan start?

Accepted Answer

The earliest start date is the following day. The maximum scheduling window is 31 days from today (adjustable by request).

Question 49

What if a payment plan day doesn't exist in a given month?

Accepted Answer

The consumer is charged on the nearest available date. For example, a plan set for the 31st would charge on February 28th.

Question 50

How do settlement offers work?

Accepted Answer

Two types: (1) Blanket offers apply to all eligible accounts based on rules you define, and (2) Custom offers are created by agents for specific accounts. Offers can be accepted as lump-sum payments or split into payment plans, with discount tiers that vary by plan duration (higher discount for faster payoff).

Question 51

Can settlement offers be targeted by account attributes?

Accepted Answer

Yes. Offers can be targeted by creditor, balance range, placement date, days past due, portfolio segment, and custom metadata fields.

Question 52

Is there a validation period before settlement offers activate?

Accepted Answer

Yes. Tratta enforces a configurable safety check ensuring settlement offers do not trigger prematurely, with a default buffer that exceeds the FDCPA 30-day validation period.

Question 53

Can settlement discounts change over time?

Accepted Answer

Yes. Settlement rules support time-based filters. Discount percentages can change based on placement age, days past due, or other metadata.

Question 54

Can we restrict payment plans for specific creditors and only allow settlements?

Accepted Answer

Yes. Per-creditor rules can disable payment plans while keeping settlement offers and one-time payments active.

Question 55

Can we send email campaigns through Tratta?

Accepted Answer

Yes. Tratta includes a full email campaign engine with custom branded templates, compliance disclosures, UTM parameter tracking, and state-based footer content.

Question 56

Can we send SMS/text campaigns?

Accepted Answer

Yes. Via toll-free long code or short code. All SMS includes required Mini Miranda disclosure and opt-out instructions. Shortcode registration takes 8 to 12 weeks and is started immediately during onboarding.

Question 57

Can we set up automated email sequences?

Accepted Answer

Automated multi-step sequences are coming soon. Contact us for the latest timeline.

Question 58

Can we suppress campaigns for consumers in certain states?

Accepted Answer

Yes. Campaign suppression by state is supported to comply with state-specific collection regulations.

Question 59

What campaign analytics are available?

Accepted Answer

Opens, clicks, bounces, deliveries, and spam reports tracked per campaign. Detailed metrics in the Campaign Deliverability report. Campaign attribution tracked through UTM parameters.

Question 60

What reports are available?

Accepted Answer

Accounts Report, Customer Analytics Report, Transaction Reports, Payment Plans Report, Scheduled Charges Report, Batch Reports, Chargeback Reports, Dispute Reports, Customer Updates Report, Settlement Reports, Campaign Deliverability Reports, and more. Over 100 customizable data fields available.

Question 61

Can reports be scheduled and automated?

Accepted Answer

Yes. Reports can be scheduled at any frequency (daily, weekly, bi-weekly, monthly, quarterly, or first/last day of month) with automated delivery via SFTP or email.

Question 62

Can we customize reports?

Accepted Answer

Yes. Custom report builder with filters, sorting, date ranges, column management, and "Group By" aggregation. Reports can be saved, duplicated, and exported as CSV.

Question 63

What integration methods does Tratta support?

Accepted Answer

Three methods: - REST API: Bi-directional, real-time updates. Full documentation at docs.tratta.io. - SFTP: Daily CSV flat file exchange. The most common integration method. - Webhooks: Event-driven notifications for payment events (charge succeeded, ACH returned, void, refund, payment plan changes, settlement events).

Question 64

Which systems of record does Tratta integrate with?

Accepted Answer

33+ systems including: JST CollectMax, Vertican/CLS, Latitude, Artiva, Cogent, CollectOne, FACS, Aktos, DebtMaster, Collectronics, Roydan, FICO/Debt Manager, CUBS, Simplicity, Interprose, ARTrail, CCS Impact, Beam Software, DAKCS, Quantrax, Collect!, Lariat, Bframe, Velosidy, WinDebt, StratusPay, Salesforce, CARET Legal, and more. We also support proprietary systems through custom file formats and API endpoints.

Tratta FAQ: Everything You Need to Know About Modern Debt Collection Software

About Tratta

Pricing & ROI

Getting Started & Implementation

Consumer Self Service Portal

Payments

Payment Plans

Settlement Offers

Email & SMS Campaigns

Reporting & Analytics

Integrations & Data Sync

Security & Compliance

Contact Center

Multilingual Payment IVR

Law Firm Solutions

Documents and E-Signature

Support

Consumer Portal Experience

2026 Regulatory Updates

Industry Insights

Industry praise for Tratta’s debt collection software

Millions of consumers trust companies that use Tratta

Collect More Debts in Less Time