📊 New Dashboard: See Your Performance Clearly

Introducing the new Dashboard—your centralized view for tracking key metrics and trends. Quickly review summary statistics, detailed analyses, and interactive charts tailored to your chosen date range.

Monitor critical metrics like Total Transactions, Average Payment, and Resolved Accounts, then dive deeper with clear visualizations segmented by payment source, payment method, checkout type, and more.

Analyze your operations daily for actionable insights or assess trends across weeks, months, and years to guide strategic decisions. Whether you're managing daily tasks or overseeing organizational performance, the Dashboard simplifies your workflow.

📬 MVN Email Campaign: Simplify Compliance Communication

We’ve introduced one of the most important templates for your outbound debt collection campaigns: the Model Validation Notice (MVN). Contact us directly or reach out to your Account Executive to request a sandbox demonstration. Trackable, user friendly, and compliant - not to mention cheaper than physical mail.

📋 Enhanced Payment Authorization Acceptance Certificate (PDF)

Building on our recent Payment Authorization Popup, we’ve upgraded the compliance process with legally robust, DocuSign-style Acceptance Certificates. Available under Console > Customer Page > Accepted Policies, each certificate securely captures:

• Full, dynamically populated policy details, exactly as acknowledged by the consumer.
• Legally binding acceptance records including timestamp, portal URL, checkout method, consumer identification details (name, device ID, IP address).

This enhancement ensures airtight compliance documentation, reinforcing your legal and regulatory standards.

📅 Payment Plan Enhancements

• Last Payment Amount is now displayed clearly within the Payment Plan Summary block, ensuring clarity when final payments differ from prior installments.
• A new Payment Summary is available in Console > Create Payment, matching portal functionality. Agents can efficiently communicate plan details with consumers during calls.

💲 Customizable Convenience Fees

You can now configure Convenience Fees based on specific States, Creditors, or Product Types, providing enhanced flexibility aligned with your business requirements.

Explore fee options here: Service Fee vs Convenience Fee Options Through Tratta.

🔧 System Improvements & Bug Fixes

• Enhanced overall platform speed and reliability.
• Resolved multiple bugs to streamline your experience.

📈 Interest Support for Payment Plans

We’re happy to introduce a first version of support for interest-bearing payment plans, allowing you to display and calculate projected interest based on account-specific rates and balances.

Key Highlights:

• Interest is calculated using the Actual/365 method and applies only to regular payment plans (not one-time or Settlement Offer plans).

• Core parameters: annual_percentage_rate and principal_balance.

• Optional fields for handling complex collection orders: pre_principal_balance (the portion of the balance collected before principal) and interest_collected_after_principal. The last property is a flag (default: yes) that defines whether interest is collected before or after principal; it can be set per account via metadata.

• The system auto-calculates interest for the full plan duration (from enrollment to final payment) and includes it in the total plan amount. However, this is a projected amount, as actual payment schedules may vary. Final interest is still calculated by the organization's System of Record (SOR) to ensure required accuracy.

• Portal UI displays Interest Rate (APR), Interest Amount, and Principal Balance, along with an optional interest disclosure.

• The Payment Plans Report and API webhook response now includes APR and Interest Amount data for payment plans.

This feature ensures that projected plan totals aligns with current balances for clients managing interest-bearing debt.

Interested in enabling this feature? Contact us directly or reach out to your Account Executive to request a sandbox demonstration.

💳 Card BIN Validation on Payment Forms

• We've added live validation using the first digits (BIN) of the card number to detect the card network (e.g., Visa, Amex) and card type (credit, debit, prepaid). If the card is not supported by the specific Merchant Account, an error will be shown immediately on the form.

🔗 API updates

• Added card network and type validation to the Create Payment Method endpoint—matching the same logic used in the payment form.
• Introduced a new endpoint: Create Customer Payment Method, with the same validation rules.

📬 File-Based Email Campaigns

Introduced the Whole Funnel Report (currently internal). This report shows performance across selected campaign types or individual runs, including:

• Deliverability & engagement metrics;
• Promised and paid amounts attributed to the campaign. This allows to measure the return ($) for every email sent.

🛠️ Performance Optimizations & Bug Fixes

• CDN Integration: Frontend assets are now served via CDN, improving performance for both the Portal and Agent Console.
• Rules Optimization: Backend architecture for balance-based rules was improved, resulting in faster account data loading in the Payment Portal.
• Various bug fixes 🐛

🔍👁️ Impersonation Mode Now Available

We’ve released a new Impersonate Customer feature.

Users can now click “Impersonate Customer” in the Console (on Account or Customer page) to instantly launch the Payment Portal in impersonation mode - viewing it exactly as the customer would.

This makes it easier to guide users, troubleshoot issues, and verify consumer interface details in real-time.

Feature Details:

• Read-only mode: No data can be modified, and no actions are tracked as customer activity while impersonating.
• Permission-based: The Impersonate Customer feature is only available to users with the appropriate permission.

🧑‍💻 Customer Portal Updates

• Verification Flow: We've added a setting that lets you control which account numbers customers can use for portal verification: Parent accounts, Child accounts, or both.
• Card Payment Form: We've introduced BIN validation (based on the first 6 digits of the card number). This helps block unsupported card networks immediately as the customer enters their card. The next phase of this feature will include detecting card types, such as credit, debit, or prepaid.

📬 File-Based Email Campaigns Reporting

• Campaign reports are now available directly in the Console, giving visibility into deliverability, engagement, and suppression data from your campaign runs.

Stay tuned for more updates ✌️

Over the past month, we’ve made several technical improvements to the platform and continued refining our new feature—Email Campaigns.

📬 File-Based Email Campaigns Reporting

We’re continuing to enhance our Campaigns product—now with expanded reporting to provide full visibility into email performance.

Available Reports:

• Deliverability Report (per campaign run): Shows the status of each subscriber from the uploaded file—whether the email passed scrubbing, was sent, delivered, or bounced (with bounce reasons, if applicable).
• Campaign Events Report (across all campaigns): Includes detailed engagement metrics such as Processed, Bounced, Deferred, Delivered, Opened, Clicked, Unsubscribed, and Spam Reported.
• Suppression Report (across all campaigns): Lists all emails that were unsubscribed, marked as spam, or resulted in a hard bounce.

Additional Details:

• All reports can be automatically exported to your SFTP folder—either per campaign run or daily, depending on the report type.
• Each report includes a unique email ID, allowing you to easily cross-reference between datasets.
• This structure provides full transparency on deliverability and engagement, while higher-level campaign performance can also be viewed in the Customer Analytics report (including sessions and conversions).
• Each campaign run includes a clear summary of key metrics:

If you’d like to try Campaigns, reach out to us at help email.

🤖 Technical Optimizations

• We’ve completed the migration of the Front-End application to the latest versions of Vue 3 and Nuxt 3. This upgrade ensures improved performance, enhanced security, and a faster path to building modern user interface components.
• All databases have been successfully updated to the latest supported versions.
• We've optimized backend endpoints related to rules, fees, payment plans, and settlement offers for faster loading of Payment Portal pages.

🔧 Bug Fixes

• Fixed the Transactions API endpoint to support filtering by time (not just date).
• Various other bugs 🐛 were fixed, and minor improvements 🪴 were implemented.

We're currently working on a new feature: interest support for payment plans. Stay tuned for more updates!

Hey there!

We're continuously working to improve our platform. Below, we've outlined a few small but valuable updates we’ve made at the start of this year.

📝 Payment Authorization Popup

We've added a new Payment Authorization Popup that can be displayed when a customer submits a payment on the portal.

Key Features:

• Can be enabled for different checkout types: Payment Plan, Payment in Full, Partial Payment, and Settlement Offer.
• Fully editable text with support for variables related to the current payment plan.
• Customers must check the box and click Agree to proceed.
• Acceptance is tracked in our system, including the text version and variable set shown to the customer.

This feature can be enabled upon request by contacting our support team.

We recommend enabling this feature only when required for compliance, as additional steps may affect the user experience. If not necessary, keeping the payment flow as seamless as possible is best.

📊 Reports

• Chargebacks Report: added a Gateway Name column to easily distinguish between gateways.

• Payment Plans & Scheduled Charges Reports: Added a Payment Method column to indicate the type of payment method currently connected to a charge or plan (ACH or Card).

🏦 Bulk File-Based ACH Payments

We've introduced a feature that allows organizations to process ACH payments in bulk using a file. Once enabled, organizations can upload a file with debt accounts, amounts, and bank payment method details to SFTP. The system will automatically import the file, create charges, and process payments.

These transactions will appear in the Transactions Report with the Payment Source labeled as Batch Import.

📬 File-Based Email Campaigns Improvements

We're continuing to develop our new Campaigns product, first announced in our previous post. While still in its early stages, it has already proven effective for several clients.

We now support multiple types of campaigns that automatically launch when a file is uploaded to SFTP. Emails are sent in compliance with allowed sending windows—either based on the customer's ZIP code or a general safe window for all U.S. customers.

This is just a brief overview—more improvements are on the way!

If you're interested in sending email campaigns to your customers, please contact our support team.

🏷️ Customer Portal: Settlements UI

• When customers accepts a settlement, they will be able to see now both: the Current Balance and the Settlement Balance making it more clear and transparent.

• We added ability to customize Settlement Offer disclosures. It can be updated by a request to our support.

🎮 New Metadata-Based Payment Rules

We’ve expanded metadata-based payment options management to cover all options. Previously, this was available only for Payment Plans, but now it also applies to Pay in Full and Partial Payment. With this update, any payment option can be enabled or disabled for a debt account based on a metadata attribute (a flag in the file with 1/0 values).

🔧🤖 Bug Fixes, Optimizations, and Monitoring Enhancements

• Improved Customer Profile loading speed on the Customer Portal for a better user experience.
• Optimized Scheduled Charges Report for faster load times.
• Migrated Console to the latest front-end framework.
• Expanded internal monitoring to detect and alert on failures in file imports and exports.
• Fixed various bugs 🐛

📬 File-Based Email Campaigns

We’re excited to introduce the first version of **Email Campaigns**, a feature designed to send debt collection emails to consumers. This powerful tool supports emails such as **MVN, Settlement Offers, Pre-Suit, Post-Judgment, and Just Served**.

Key Features:

• File-Based Campaigns: Campaign recipients and email types are defined by files uploaded to SFTP.
• Compliance First: Emails are fully compliant and will only be sent during allowed Contact Hours.
• Portal Integration: Campaigns are integrated into the Tratta system, enabling the generation of passwordless login links for the portal, which can be included in emails as links or buttons.
• Customizable Variables: Files can include any information needed to dynamically populate emails with variables.
• Deliverability & Engagement Analytics: Gain detailed insights into your campaigns with metrics on email deliverability, including opens, clicks, unsubscribes, and bounces. These reports help you evaluate campaign performance and optimize your strategy for better results.
• UTM Support: All campaigns include UTM tags, enabling detailed tracking in the Customer Analytics report. This allows you to trace the entire customer journey—from clicking a portal link in the email to completing a payment.

For now, this feature can be set up for your organization with the assistance of Tratta Support. Contact us directly or reach out to your Account Executive to request a sandbox demonstration.

This is just the beginning! Stay tuned for more updates to expand and enhance this feature.

🎮 Metadata-Based Payment Rules

This update allows you to control payment rules on a per-debt-account basis. Currently, four payment rules are supported, covering minimum payment amounts and allowed payment options for logged-in Payment Portal customers:

•  Minimum Payment Amount (metadata format: amount in cents or dollars)
•  Payment Plans Enabled (metadata format: 1 for true or 0 for false)
•  Full Payment Enabled (metadata format: 1 for true or 0 for false)
•  Partial Payment Enabled (metadata format: 1 for true or 0 for false)

With this feature, a specific metadata column (sent via file or updated through the API) can be bound to a payment rule. If the selected metadata exists on a debt account and contains a valid value, it will override the default rules. If the metadata is missing, blocked, or invalid, the default rules in Payment Settings will apply instead.

🤳 IVR UX updates

Simplified Partial Payment Prompt

• We’ve streamlined how partial payments are entered in IVR. Previously, callers were asked separately for dollar and cents amounts. Now, it’s a single step: callers can use the star key (*) as a decimal point. For example, entering 50*50 will be recognized as $50.50 - simple and efficient!

Alphanumeric Account Verification Update

• For alphanumeric account numbers, we’ve introduced an optional streamlined prompt. Callers can now use corresponding digits for letters in their account numbers: for A, B, or C = press 2; for D, E, or F = press 3; and so on. For example, if the account number is AD123, the caller would enter 23123. The correct account will then be confirmed with a second verification method (SSN, DOB, or ZIP). This update makes it significantly easier for callers to verify accounts with alphanumeric identifiers.

💳 Allowed Card Networks Icons on Payment Forms

• If your organization does not support certain card networks, we can now customize the list of allowed networks for you. This change will be reflected on payment forms, ensuring that customers only see supported card options. This update helps prevent failed payment errors and improves the payment experience.

🔧🛡️Bug Fixes & Security Updates

• As always, we’ve continued our efforts to maintain the system, optimize performance, and implement security enhancements.
• Various bugs were fixed—thank you for reporting them! 🐛

Location-Based Payment Plan Rules 🔥

We’re introducing a powerful new addition to Payment Settings! Our latest update adds a Payment Plan Rules subsection, allowing you to set tailored payment plan rules for specific locations (creditors name/codes or other product types). Do some clients prefer no payment plans, or require specific maximum plan durations? Now you can set these preferences with ease.

To get started, go to Settings > Payment Settings > Payment Plans Rules and create your first rule. Each rule lets you select one or more locations (just like in Settlement Offers) and apply tailored settings:

• Enable/Disable Payment Plans

• Set Maximum Allowed Duration (in months)

We’re excited to expand these settings further - your feedback is always welcome!

💼 Legal Policies Settings

• We’ve added a new toggle in Legal Policies to enable checkboxes in the Legal Policies popup (Settings > Legal Policies).

📁 Documents Search Update

• Enhanced Documents Search now supports searching by Email Subject or Document Name. Use the full or partial (beginning) Subject or Name to locate specific emails or documents.

🏦 Locations

We've added new columns to Locations list in Settings:

•  Active Accounts: Displays the number of active accounts per location.

•  Has Settlement Offer: Indicates "Yes" or "No" based on whether the location is selected in at least one offer setup.

More updates are on the way - stay tuned!

We've made some valuable updates to one of the most popular areas of our Console App — Reports!

Let’s dive in and explore these new features!

Reports Search 🔍

If your organization has a large volume of reports, finding the right one just got easier. With the new search feature, simply type the report name to filter matching results instantly. This search works with the Report Type filter, so you can narrow your search to specific types as needed.

Private Reports Feature 🔥

We’re excited to introduce Private Reports! We noticed many users creating reports with their names in the title to signal they shouldn’t be edited or deleted. Now, each user has a Private reports tab, visible only to them, allowing you to create personal reports without concern about edits or clutter in public reports.

How to Create a Private Report?

1.  Create a New Report
2.  Duplicate an Existing Report

In both cases, simply toggle the Private Report switch to "On." That’s it!

Additionally, the Private reports tab has its own unique URL, allowing you to bookmark it for quick access to your personal reports.

We’d love your feedback on this feature and any ideas for future improvements!

Bug Fixes and Maintenance 🔧

• Scheduled Reports Export: Fixed a bug that added an empty row on blank reports.

• Checkout Type Filter: Resolved an issue with the OR filter, now allowing seamless filtering for multiple checkout types.

• Backend Update: Migrated our core backend framework to the latest version for improved performance and security 🏗️

• Various other bug fixes 🐛

Hello! Here are the latest features and improvements from the first part of October:

🏷️ Settlement Offers - Metadata Filters

• We've enhanced Settlement Offers with metadata properties filters. Utilize advanced targeting capabilities to tailor offers based on specific parameters like scores or other metadata.

🔢 Transaction ID in Payment Confirmation

• We've added Transaction ID to the Payment Confirmation screen on the Portal and in Email Transaction Notifications. This feature helps customers track their payments, verify transaction details, and resolve discrepancies efficiently. Customize this feature in Console > Settings > Property Labels, where you can change the label and toggle visibility (visible by default).

📊 Reports Enhancements

• Accounts Report: Added an Archived At column.

• Customers Report: Added a Registered At column.

These additions enhance sorting, filtering, and grouping capabilities, making it straightforward to generate reports on daily registrations or archived accounts.

🌐 Spanish Localization

• Introduced the option to disable the Spanish language version for the portal, available under Console > Settings > Customer Portal.

🏦 ACH Payments - Ownership Type

• Added a new field to the ACH payment method form: Ownership Type (Personal/Business), supported in Collect, IVR, and API.

🔧 Bug Fixes and Minor Updates

• IVR: Enhanced error handling and responses in the Payment Method capturing module.

• Payment Portal: Updated the flow for changing the Payment Plan Payment Method.

• Addressed various other bugs 🐛.

Checkout Type in Reports 🛒 📊

We've added a new column, Checkout Type, to the Transactions, Payment Plans, and Scheduled Charges reports. This column mirrors the functionality found in the Customer Analytics report, aiding in identifying checkout types. It helps users determine whether a transaction was a regular instant payment or scheduled, full or partial, and whether it was related to a payment plan or a settlement.

Here are all possible Checkout Types:

1.  Suggested Payment Plan 
2.  Custom Payment Plan 
3.  Settlement Payment Plan 
4.  Payment in Full 
5.  Payment in Full Scheduled 
6.  Partial Payment 
7.  Partial Payment Scheduled 
8.  Settlement in Full 
9.  Settlement in Full Scheduled 
10.  Guest Payment in Full 
11.  Guest Partial Payment 
12.  Guest Settlement in Full 

Checkout Type is also available as a Group By column, allowing for new analytical breakdowns in your reports.

E-Sign Legal Policy on Email Change 📧

When the E-Sign Legal Policy is required for acceptance (found under Console Settings > Legal Policies) and a customer attempts to update their email on their profile, they will be prompted to re-accept the E-Sign Policy.

This checkbox 👆is optional and will only be visible if enabled for your organization upon request.

Customer’s Emails Exporting to Zip 📨

We continuously strive to enhance compliance and operational tools. To this end, we have introduced a feature that allows for the automatic export of all customer emails sent from the Tratta platform on a daily basis. Emails are exported in .eml format and archived in a .zip file named with the date (YYYY-MM-DD.zip).

Each email file is named using the following pattern: {date}_{org name}_{email}_{account number}_{notification type}.eml 

This feature can be enabled for your organization upon request.

Stay tuned for our next update in October! 🍁