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About

Simplicity is the most affordable cloud-based debt collection software solution in the market. Perfect for small and large collection agencies, legal collections, medical collections, and judgment recovery professionals, Simplicity Collection Software allows users to import, export, and actively manage an unlimited number of cases and clients from any web browser. Intelligent and secure, Simplicity Collection Software boasts a variety of features that include business-debt management, loan management, credit card integration consumer-debt management, and reporting within a suite.

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 Supported
Mac Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Supported
iPad Supported
Android Supported
Chromebook Not Supported

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported

Audience

Targets collection agencies, medical collections, legal collections, repo managers, judgment recovery professionals, collection attorneys, HOA, 1st and 3rd party collections, and more.

Audience

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

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

API

Offers API Not Supported

API

Offers API Supported

Screenshots and Videos

Screenshots and Videos

Pricing

$79.00/month
Free Version Not Supported
Free Trial Supported

Pricing

$500/month
Plans are based on transaction volume.
Free Version Not Supported
Free Trial Not Supported

Reviews/Ratings

Overall 4.0 / 5
ease 5.0 / 5
features 4.0 / 5
design 4.0 / 5
support 5.0 / 5

Reviews/Ratings

Overall 5.0 / 5
ease 5.0 / 5
features 4.8 / 5
design 5.0 / 5
support 5.0 / 5

Pros & Cons from Real Users

Pros

  • - Simplicity has all the features required to remove the clutter of paperwork that usually fills the desks of the kind of people who would use it. - Keeps you very organized.

Cons

  • - Some features with respect to exporting and importing in various formats can be confusing/hard to use compared to other software.

Pros & Cons from Real Users

Pros

  • Innovative - the team strives to keep the platform up to date with technology Leadership is dedicated to updating and improving the platform constantly Great support from the team - very responsive to requests and willing to help with projects that may not exactly be within their scope Self-serve options reduce strain on live agents - very customizable settlement plans
  • 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

  • The only con is that we have to rely on their product roadmap and priorities for some functionality that doesn't exist. However, their development is very fast and the platform as it stands today from even 6 months ago has a ton of updates.
  • 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 Supported
Webinars Supported
Live Online Supported
In Person Not Supported

Training

Documentation Supported
Webinars Not Supported
Live Online Supported
In Person Supported

Company Information

SeikoSoft
Founded: 2008
United States
www.simplicitycollect.com

Company Information

Tratta
Founded: 2022
United States
tratta.io

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Categories

Debt Collection Supported
Loan Management Supported

Categories

Debt Collection Supported

Debt Collection Features

Agency Management Supported
Auto Dialer Supported
Automated Notices Supported
Callback Scheduling Supported
Client Management Supported
Commission Management Supported
Compliance Management Not Supported
Contact Management Supported
Credit Bureau Reporting Supported
In-House Collections Supported
Payment Plans Supported
Transaction Management Supported

Accounts Receivable Features

ACH Payment Processing Not Supported
Billing & Invoicing Not Supported
Check Processing Not Supported
Collections Management Supported
Online Payment Processing Not Supported
Overpayment Processing Not Supported
Partial Payments Not Supported
Receivables Ledger Not Supported
Recurring Billing Not Supported

Debt Collection Features

Agency Management Not Supported
Auto Dialer Not Supported
Automated Notices Supported
Callback Scheduling Supported
Client Management Supported
Commission Management Not Supported
Compliance Management Supported
Contact Management Supported
Credit Bureau Reporting Not Supported
In-House Collections Supported
Payment Plans Supported
Transaction Management Supported

Integrations

Authorize.Net Supported
PDCflow Supported
Payscout Supported
QuickBooks Online Supported

Integrations

Authorize.Net Not Supported
PDCflow Not Supported
Payscout Not Supported
QuickBooks Online Not Supported
Claim SimplicityCollect and update features and information
Claim SimplicityCollect and update features and information
Claim Tratta and update features and information
Claim Tratta and update features and information