Blazing a Debt Collection Compliance Software Security Trail

Tratta’s debt collection compliance software meets top security standards, including PCI DSS Level 1 and SOC 2 Type II. Payment data is encrypted, monitored, and securely processed.
Upon request, our compliance team performs and shares vulnerability scans to support client due-diligence and safeguard sensitive consumer information.

Your firm is never in possession of sensitive payment information or PII. Card data is immediately tokenized against the gateway, and no raw card data is ever stored in our system. This secure system architecture reduces your compliance burden and minimizes risk while giving customers full confidence in the safety of every transaction.

Tratta has been designed to minimize breach risk with encryption, secure gateway integrations, access controls, and continuous system monitoring built in the system. Sensitive data is never stored within Tratta’s environment, and all communications are protected by industry-standard security protocols to safeguard consumer information and support your compliance obligations.

Our debt collection compliance software provides robust administrative controls with role-based access management and customizable user permissions. All user logins require multi-factor authentication (MFA), with email-based 2FA supported. Ongoing enhancements, including single sign-on (SSO) capabilities, further strengthen account security and simplify credential management across your organization.

Tratta proactively safeguards clients with breach insurance coverage and a rigorously tested disaster recovery framework. Rapid recovery protocols and validated backups ensure data integrity and minimize disruption in the event of a system compromise. This proactive, layered approach protects your operations, reputation, and compliance obligations at every level

We leverage powerful, encrypted REST APIs and secure SFTP protocols to protect data in transit across all integrations. Our debt recovery compliance software architecture supports authenticated, access-controlled connections to ensure that sensitive information remains isolated and secure during system-to-system communication, workflow automation, and data synchronization.

Tratta is built to support full adherence to FDCPA, Reg F, TCPA, and evolving state regulations. Customizable disclosures, audit-ready records, and compliant communication tools make sure that every consumer interaction meets industry standards, simplifying compliance oversight and reporting, and reducing legal risk.

Our debt collection compliance software supports state-specific disclosures, configurable by consumer, client, location, and time. Custom notices can be dynamically applied to ensure that every interaction aligns with applicable state laws and client requirements while minimizing the need for manual intervention and preventing fragmented workflows.

Boost recovery rates and save time with secure collection and management of electronic signature (E-sign) consent in place. You can configure acceptance requirements based on business needs, capture consumer agreement seamlessly, and maintain detailed records of consent activity to ensure compliance, audit readiness, and clear proof of authorization across all digital engagements.

Tratta supports ADA compliance by integrating third-party accessibility solutions like AccessiBe via JavaScript plugins. These tools enable features such as adjustable font sizes, high-contrast display modes, and screen reader support so that all consumers can navigate and engage with the platform easily and inclusively.

Tratta's payment compliance features include real-time returned instrument reporting to alert you to chargebacks or returns as they happen. Our debt collection compliance software also prevents overpayments, flags suspicious activity, and blocks processing under restricted conditions to reduce fraud risk, ensure regulatory compliance, and protect you against errors and audit exposure.

The system maintains fully documented, auditable records of all payments, communications, and consumer interactions. Data is retained for at least seven years and is easily exportable and reportable. Your debt collection agency or law firm staff can quickly access historical records to support audits, resolve disputes, and demonstrate compliance with regulatory requirements.