Both help ARM firms collect and communicate with consumers, but they take different approaches.
Tratta is a dedicated collections-first platform built specifically to meet the unique needs of agencies and collection law firms. The unified solution includes a branded debtor self-service portal, campaigns with omnichannel outreach, embedded payments, reporting, and admin controls.
Concepts2Code provides branded consumer portals and communications for accounts receivable management. Their service is designed for integration into an existing collections tech stack.
Tratta is a dedicated, fully-integrated debt recovery solution. The platform combines a white-labeled consumer self-service portal, email/SMS campaigns with optional IVR, embedded payments, and detailed reports in a unified product built specifically for collections agencies and legal firms.
Concepts2Code is a portal and communications provider for ARM. They offer branded consumer payments combined with emails, letters, and documents, delivered as modular solutions that plug into your existing stack.
Consumers can see their balances, view payment history, and make payments via debit card and ACH all from within Tratta’s portal. The system supports one-time and recurring payments along with partial payments, installments, and settlements. NSF and chargeback reporting is always linked to original transactions. Next-day funding is called out.
Concepts2Code’s mobile-friendly portal is available 24/7, with numerous gateway integrations. Recurring payments and batch/CSV workflows from integrated collections system are supported.
Tratta reduces 1:1 calls by empowering consumers to dispute, upload documents, choose plans or settlements, view history, and pay within the system. Instant access is accessible via magic links and QR codes. Multiple authorization methods ensure 92–96% verification success. A guest pay option is available.
Login is typically by email or reference/file number with a temporary password on first use.
Email or SMS campaigns are triggered based on account or payment activity, with merge-field personalization and performance tracked in real time.
Concepts2Code handles mass email and letter communication, templating, and reporting so agencies can track campaign results.
Tratta's multilingual payment IVR increases recovery rates by meeting modern consumer self-service expectations and reducing the need for agent interaction. The system’s just-in-time API verifies accounts before taking payment.
IVR is addressed via integrations rather than through a native product.
Real-time reporting including linked NSF/chargeback detail and automated reconciliation are built in to meet operational needs, satisfy audit requirements, and improve compliance.
Analytics and reporting features are available across payments and communications. They’re commonly used to track campaign results and portal usage.
Tratta’s RESTful approach for modern stacks has been built to slot into existing collections environments. It includes REST API, webhooks, and secure SFTP.
Concepts2Code offers “100+ payment gateways” plus pragmatic CSV/batch flows from your collections system for recurring changes. Their product can manage real-time payment, email, text, and note exchange.
Security and compliance safeguards include PCI DSS Level 1 + SOC 2 Type II, tokenization, no raw PAN, encryption, MFA/2FA, admin RBAC, and secure REST/SFTP.
Portals address ADA and are PCI compliant. The company calls its product “managed, secure, cloud-based,” but details are not publicly available.
Tratta's tiered pricing is based on usage, and details are always publicly available.
Pricing is not transparent but is available by quote.
Onboarding, implementation, developer time, data migration, training, 24/7 ticketing, and an in-house support team are all included at no additional charge.
Implementation is typically via real-time API or SFTP/CSV integrations, so agencies can keep using their current collections system.
Tratta is visible on industry review sites including Capterra, GetApp, and Software Advice. Reviews praise real-time tracking and reconciliation capabilities. Case studies provide additional in-depth details.
You'll find discussion of Concepts2Code primarily on niche directories, industry podcasts, webinars, and partner listings. There are few listings on mainstream, verified user-review pages.
Why Tratta fits the all-in-one use case and is the stronger option for debt collection teams and legal firms seeking a platform that increases account coverage and accelerates recoveries:
We grow when you do. Tratta’s model is tied to your KPIs — driving mutual accountability and long-term success.
No more silos or patchwork tools. Tratta integrates seamlessly, automates reconciliation, and simplifies operations.
From fast onboarding to expert support, Tratta gets you live quickly — with 25%+ adoption gains in 90 days.
