You’ll see some overlap between Tratta and HealPay, but they play different roles in the collections stack.
Tratta is a collections-first platform built for original creditors, debt recovery agencies, and legal collections teams. It combines payments, omnichannel communication and campaigns, and compliance tooling in a single system designed to streamline debt recovery and expand account coverage. Key capabilities include multilingual payment IVR and an all-in-one consumer self-service portal that help more consumers resolve accounts on their own.
HealPay, by contrast, is a payments-led platform that acts as a flexible payment layer for collections firms and adjacent industries. It securely accepts payments across channels and automates essential payment workflows through products like web portals, IVR, and payment reminders.
Tratta’s comprehensive solution has been built to streamline debt recovery and improve account coverage. Broad-spectrum API integrations ensure that the platform fits smoothly into existing systems and processes.
HealPay helps businesses accept payments across channels, automate workflows, and resolve accounts.
Tratta brings together a consumer self-service payment portal, multilingual payment IVR, omnichannel communications, campaign management, and reporting and analytics in a single collections-focused platform with embedded security and compliance controls.
HealPay includes a predefined suite of features in each of its products. These include a payment portal, IVR, and automated reminders.
Tratta's consumer self-service payment portal is designed specifically for collections, with options to split payments across multiple accounts along with support for debit, ACH, and Check21, and routing of funds to IOLTA accounts using portfolio rules. The platform also supports multi-account allocation, settlement offers and trust accounting.
HealPay also supports collections. Splitting payments and portfolio rules to route funds are supported, as are a variety of payment methods.
Users can leverage custom segmenting, smart scheduling, special settlement offers by cohorts, and automated trigger-based workflows via highly configurable Tratta Campaigns.
Payment options can be customized based on creditor, account status, balance, or date ranges with Healpay’s Treatments. Payment term flexibility such as allowed discount, payment plan length, or interest waiver are standard with Treatments in some plans.
Consumers can independently view, edit, or cancel agreements and customize payment frequency. Other standard features include webhooks for payment plan events and a versatile Payment Plan Creation API.
Automated recurring payments are available with some HealPay plans.
Multilingual Payment IVR with “Just in Time” verification and integration into existing collection systems offers consumers a way to resolve debt with little to no agent interaction required.
HealPay offers broad payment capability with features like caller recognition and multilingual payment options via IVR.
Tratta Campaigns support campaign-based outreach with granular segmentation, smart scheduling, trigger-based workflows, built-in compliance, and coordinated communication across email, SMS, and portal.
HealPay’s portfolio-targeting tools, including Treatments and account grouping, help organizations configure payment options and reminders for specific segments, although they are positioned as payment-scenario engines rather than full campaign management tools.
Tratta embeds regulatory and policy requirements directly into its software through a Compliance-by-Code approach, helping enforce FDCPA, Reg F, TCPA, and client policies at the system level. The platform is backed by industry certifications such as PCI DSS Level 1 and SOC 2 Type II and is aligned with leading collections associations, with role-based permissions, audit trails, and long-term retention of payments and communications.
HealPay describes its payment products as secure and compliant, offering PCI-compliant solutions and encrypted processing for card and ACH data, along with integrations to leading receivables and gateway systems.
The Tratta team can implement the platform, complete with integrations and training, in as little as 30 days. Post-deployment support includes 24/7 support ticketing and a 99% same-day response rate, with help provided by on-shore, on-call experts. Support is never outsourced or provided by chatbots.
HealPay provides onboarding assistance and ongoing customer support, though public materials do not specify formal service-level targets or standard implementation timelines.
A configurable and flexible Admin Console adapts policies, messaging, and workflows to fit business rules. The platform supports custom-configured notices and communications.
Treatments customize payment options and payment parameters to accommodate business needs.
Reporting and analytics are core features of Tratta’s debt collection platform. An integrated dashboard presents a 360-degree view with reconciliation and visibility tools, transaction management, returned payment handling, and timestamp-based balance sync for clarity around performance and anytime audit readiness.
HealPay provides reporting and insights into payment activity, along with real-time notifications that support reconciliation and accounting workflows.
On Capterra, Tratta currently holds a 5.0 out of 5 average rating from verified reviewers, and the platform appears on additional neutral software directories where users highlight ease of use and support. Tratta also publishes named customer testimonials and case studies with quantified recovery and efficiency gains.
HealPay features customer testimonials on its own site and appears in several industry listings and partner directories. As of this writing, we were not able to locate rated profiles for HealPay on major review platforms such as Capterra or G2.
When you compare Tratta and HealPay, Tratta is usually the stronger fit when secure, compliant debt collections and recovery performance are the primary goals:
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.
