Certeza

Certeza

CERTEZA FINTECH S.A.S.
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About

Certeza is a B2B debt collection and payment reconciliation platform for organizations in Colombia. It prioritizes receivables under approved business rules, coordinates outreach through WhatsApp, SMS, email, calls and internal tasks, records responses, promises and agreements, reconciles payment references against obligations, and maintains an auditable account history with operational reports. Implementation starts with a controlled pilot and an assigned Customer Success specialist. Customers retain their ERP, accounting system, CRM, payment gateway and authority over sensitive decisions. Certeza supports preventive, administrative and extrajudicial pre-legal collection workflows. It does not lend money, hold funds, repair credit histories, file lawsuits, execute seizures or provide legal representation. Pricing is performance-based and subject to each contract.

About

Tratta is a modern debt collection software platform that helps agencies, law firms, and original creditors recover more with less friction. Built for compliance, speed, and consumer satisfaction, Tratta offers a secure, cloud-based solution that integrates easily into existing systems. Features like a self-service portal, multilingual IVR, and omnichannel communication give consumers more control over payments—reducing costs and increasing engagement. With customizable campaigns, embedded payments, and real-time analytics, Tratta makes it easy to launch fast and improve results. Whether you're collecting on auto loans, healthcare, or student debt, Tratta provides a unified platform to streamline collections, drive revenue, and stay ahead of regulations. Certified by leading industry organizations, Tratta is trusted by high-volume creditors nationwide.

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Audience

Accounts-receivable and collection teams at Colombian companies, property-management organizations, private schools, ISPs, distributors, real-estate businesses, healthcare providers, utilities, fintech companies and credit originators.

Audience

Debt collection agencies, collection law firms, original creditors, debt buyers

Support

Phone Support
24/7 Live Support
Online

Support

Phone Support
24/7 Live Support
Online

API

Offers API

API

Offers API

Screenshots and Videos

No images available

Screenshots and Videos

Pricing

$0
Free Version
Free Trial

Pricing

$500/month
Plans are based on transaction volume.
Free Version
Free Trial

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

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Reviews/Ratings

Overall 5.0 / 5
ease 5.0 / 5
features 5.0 / 5
design 5.0 / 5
support 5.0 / 5

Pros & Cons from Real Users

Pros

  • Higher recovery rate and revenue — Card payments doubled and the company recovered over $650,000 in seven months. Faster time-to-value — Data migration and launch completed in months with only a few days of user training. Improved customer experience — Customers can self-serve via links in emails/texts, avoiding inconvenient calls or costly alternatives. Automation reduces manual work — Daily automated reports, Salesforce case creation, and omnichannel messaging cut labor and process steps. Stronger data and reporting — Centralized data, easy downloads, and day/month queries support leadership reporting and ROI demonstration. Better vendor support — Responsive client success and engineering support with same-day or 24-hour turnaround on issues. Reduced privacy risk — Eliminates verbal collection of payment card data, lowering PII exposure from phone calls.
  • Support is top notch Reliability Ease of use Constant product improvement Response time to customer requests
  • 1. Great people to work with 2. Innovation at its finest 3. Very nimble products/tools that allow for easy adaption
  • Overall this product is saving us time by allowing online payments, tracking collection campaigns, and supporting self-service options for debtors, significantly reducing the time our staff spends on processing payments.

Cons

  • Upfront integration and migration cost/effort — Even with a short migration, switching vendors requires project time, resources, and cross-team coordination. Dependence on vendor reliability — Increased reliance on Tratta for uptime, support, and feature changes creates vendor risk. Potential ongoing fees — New platform and API capabilities may carry higher recurring costs compared with a minimal legacy processor. Change management — Staff and process changes required internal training and documentation; smaller teams may still face short-term productivity dips during transition.
  • I really have to cons to express. Tratta does everything we need them to do.
  • 1. Price point on products is good, and worth it, but always room for review. Maybe institute a potential loyalty program!
  • We haven't encountered any downsides yet. If anything develops as we scale up usage, we’ll try to update accordingly—but so far, it’s been a great experience.

Training

Documentation
Webinars
Live Online
In Person

Training

Documentation
Webinars
Live Online
In Person

Company Information

CERTEZA FINTECH S.A.S.
Founded: 2026
Colombia
certeza.app/

Company Information

Tratta
Founded: 2022
United States
tratta.io

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Collect with Ease

Collect with Ease

Legal Interact

Categories

Categories

Debt Collection Features

Agency Management
Auto Dialer
Automated Notices
Callback Scheduling
Client Management
Commission Management
Compliance Management
Contact Management
Credit Bureau Reporting
In-House Collections
Payment Plans
Transaction Management

Integrations

No info available.

Integrations

No info available.
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