Choosing the right debt collection platform starts with understanding what each product is designed to do. This page compares Tratta and Stratus, now part of REPAY, using information drawn from public sources. You will see how each one approaches consumer self-service, compliance support, automation, and integration capabilities.
Tratta combines consumer self-service, automated campaigns, payments, and compliance support in a single platform that supports the full collections workflow. Stratus sits within the REPAY family as a payment solution that focuses on secure payment processing and tight integrations with case management and collection systems. Your decision will hinge on whether you want a platform that manages the entire collections lifecycle or a payment rail.
Tratta combines a consumer self-service portal, event-driven email and SMS outreach, multilingual IVR, embedded payments, and reporting in a single platform. This lets collection agencies and legal recovery firms consolidate vendors, standardize workflows, and manage resolution and recovery from one system, providing clearer oversight across the lifecycle.
Now part of REPAY, Stratus focuses on payment processing for ARM and related industries, supporting payment acceptance, reconciliation, and reporting while integrating into existing workflows so teams can keep their current collections systems in place.
Consumers can use Tratta to set plans and settlements, dispute accounts, upload documents, review history, and complete guest payments in a white-labeled, mobile-ready portal. The experience reduces one-to-one calls, raises completion rates, and improves sensitivity handling for regulated and high-stakes accounts.
Stratus provides a branded electronic bill presentment and payment (EBPP) portal that gives consumers self-directed ways to make payments online. For ARM teams, Stratus is intended to sit inside the existing collections stack so online activity posts back into core systems.
Tratta’s campaign tools tie outreach to collections milestones and account events instead of generic reminders. Teams can trigger messages from balance and payment changes, track each touch from send to payment, and test different timing, channels, and content to keep consumers moving through the lifecycle while managing agent workload.
Stratus supports payment reminders and related messaging connected to its payment channels, with an emphasis on prompting secure, successful payments rather than managing more complex dispute or settlement workflows.
A multilingual IVR verifies identity just in time before accepting payments, then hands consumers off to the portal when appropriate. The flow reduces misapplied payments, trims escalations, and keeps phone and web experiences consistent.
Stratus supports automated phone payments through IVR so payers can complete transactions without a live agent, complementing its online channels and helping organizations handle routine payments more efficiently.
Tratta provides real-time reporting, granular exports, and automated reconciliation that links NSF and chargeback details back to original transactions. Finance and compliance teams get cleaner books, faster client and court reporting, and greater audit confidence because every movement of funds and status change is transparently connected to its source.
Stratus includes reporting on payment activity and offers data exports so organizations can analyze results in their own BI tools and maintain records for audits. Specific dashboard and scheduling options depend on the REPAY configuration in use.
Multiple authentication paths, including password-free magic links and QR, make entry simple without sacrificing control. Verification success rates surface directly in the admin experience and guest pay is supported to reduce abandonment and increase completions.
Stratus provides authenticated access to its payment flows across supported channels, with controls in place so users can verify identity and complete transactions securely. The specific authentication methods vary by deployment and REPAY’s broader security stack.
Tratta is PCI DSS Level 1 and SOC 2 Type II compliant, tokenizes card data so raw PAN never appears, enforces MFA and configurable role-based access, and secures data over encrypted REST and SFTP. Users receive clear diligence artifacts for audits.
REPAY’s Stratus operates under PCI DSS Level 1 Service Provider controls with tokenization, secure API keys, and encrypted storage and transmission of card data.
Public, tiered pricing details platform and usage components with plain-language definitions and funding notes. With a complete financial picture in hand, procurement can model total cost early, stakeholders can make more informed decisions, and operations can plan with confidence.
Stratus does not publish list pricing. Like other REPAY solutions, it is typically priced by quote, so organizations need to work with REPAY sales to understand fees and funding terms.
An API-first design with REST, webhooks, and secure SFTP allows Tratta to slot into existing collections stacks without rip and replace. Quick-launch guidance and reference patterns help teams stand up self-serve and campaigns in weeks.
Stratus is built to embed in existing ARM and back-office stacks via REPAY’s API-based integrations, partner connectors, and web portal, so payments post back cleanly to source systems.
Tratta’s built-in debit card and ACH payment capability supports full balance, partial amounts, installments, and settlement offers. Split payments are available, and next-day funding timelines are documented.
Stratus supports card and ACH payments through its electronic bill presentment and payment capabilities, with additional options determined by the broader REPAY payment network and the customer’s configuration.
Tratta’s profiles on Capterra and Software Advice average five stars, with common themes around smooth onboarding, responsive support, and early ROI, providing added assurance for leaders accountable to boards and clients.
Repay earns an average rating of 4.7 out of 5 in roughly 35 G2 reviews.
When you compare Tratta vs. Stratus you are really choosing between a collections platform and a payment platform.
Tratta is purpose built for debt collection agencies and legal recovery teams, combining a consumer portal, campaigns, IVR and reporting to help increase account coverage and recovery rates. Stratus sits within the REPAY family as a payment solution that focuses on secure card and ACH acceptance and electronic bill payment that integrates with existing systems.
For most collections organizations, Tratta will be the better fit when the priority is to modernize the entire recovery workflow rather than only expand payment options:
In short, if your goal is to increase revenue by modernizing collections from first contact through resolution, Tratta will usually align better with that strategy. If you simply need additional payment rails embedded in your current workflow, a REPAY solution such as Stratus may be sufficient.
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.
