Blazing a Debt Collection Compliance Software Security Trail
Tratta exceeds industry data security benchmarks. Its Compliance-by-Code approach embeds regulatory and policy requirements into platform architecture and workflows, automatically governing every interaction to reduce manual enforcement, minimize human error, and maintain compliance at scale.
Tratta is backed by industry certifications and associations that ensure compliance and credibility you can count on.
Confidence and Trust Built on Modern Data Security Standards
Tratta's debt collection compliance software incorporates cutting-edge data security innovations so you can relax and focus on serving customers, increasing transactions, and boosting recovery rates.
Data Security
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.
Payment Data Security
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.
Breach Protection
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.
Administrative Security
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.
Breach Insurance and Disaster Recovery
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
Secure Integrations
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.
Millions of consumers trust companies that use Tratta
Our Powerful Debt Resolution Platform is Compliant at Every Step
Tratta’s platform is built for compliance from the ground up. With Compliance-by-Code embedded in every workflow, regulatory and policy requirements are automatically enforced - reducing risk, eliminating manual steps, and audit guesswork.
Regulatory Compliance
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.
State-Specific Compliance
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.
Secure E-Sign Consent
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.
ADA Compliance
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.
Payment Compliance
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.
Audit Readiness
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.
TESTIMONIALS
Industry Praise for Tratta’s Debt Collection Software
Why do debt collection executives love working with us? The reasons are as unique and the collections teams we serve.
‘‘Your API works well, your Documentation is great, and it's easy to use.’’
John Fuller
CIO/Partner, Solvent Plus
‘‘I'm so grateful, because now I sleep better at night knowing my information is secure at Tratta. We needed a partner who could create what we were looking for and had the type of information security that our business required.’’
Mike Janakes
President at FMA Alliance, Ltd.
‘‘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 at Williams & Fudge & RGS Financial
Frequently Asked Questions
Do you have questions about our debt collection compliance software? The answers you’re looking for are here.
Is Tratta certified for data security and payment processing?
Does Tratta store cardholder data?
How does Tratta support third-party audits?
How does Tratta secure admin access?
Can permissions be customized by user role?
Does Tratta offer vulnerability or security scans?
How is sensitive data transmitted?
Is the platform accessible to users with disabilities?
How are legal policy acceptances tracked?
Can Tratta block unauthorized or high-risk transactions?
How are chargebacks and returned payments handled?
Can clients track compliance across operations?
Does Tratta support multiple users with different access levels?
How long is data retained?
What is Tratta’s Compliance-by-Code approach to compliance?
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
