name: Tratta Vocabulary
description: Domain vocabulary for the Tratta debt collection and payment experience platform
tags:
  - Debt Collection
  - Payments
  - Billing
  - Fintech
  - Collections
terms:
  - term: Debt Account
    label: Debt Account
    definition: A record representing an outstanding financial obligation owed by a consumer, imported into Tratta from a system of record
    properties:
      - original_balance
      - current_balance
      - status
      - account_number

  - term: Payment Plan
    label: Payment Plan
    definition: A structured agreement for a consumer to pay off a debt account in scheduled installments over time
    properties:
      - installment_amount
      - frequency
      - start_date
      - status

  - term: Charge
    label: Charge
    definition: A payment transaction initiated against a stored payment method to collect funds
    related:
      - Payment Method
      - Transaction

  - term: Transaction
    label: Transaction
    definition: A completed or attempted financial exchange recorded in the Tratta platform
    properties:
      - amount
      - type
      - status
      - payment_source

  - term: Payment Method
    label: Payment Method
    definition: A stored payment instrument (credit/debit card or bank account) that can be used to process charges
    values:
      - card
      - bank_account

  - term: Customer Session
    label: Customer Session
    definition: A secure, time-limited session that generates a magic link for consumers to access the self-service payment portal without requiring a login
    related:
      - Magic Link
      - Portal

  - term: Magic Link
    label: Magic Link
    definition: A one-time URL sent to a customer that provides instant authenticated access to their payment portal
    related:
      - Customer Session
      - Portal

  - term: Webhook
    label: Webhook
    definition: An HTTP callback registered to receive real-time notifications when payment plan or transaction events occur
    related:
      - Event
      - Notification

  - term: Payment Source
    label: Payment Source
    definition: The channel through which a payment was initiated (API, customer portal, IVR, or agent)
    values:
      - api
      - portal
      - ivr
      - agent

  - term: Bulk Operation
    label: Bulk Operation
    definition: An API operation that processes multiple records in a single request, used for importing debt accounts or exporting data
    related:
      - Import
      - Export

  - term: Just In Time
    label: Just-In-Time Verification
    definition: A real-time IVR verification mechanism used to authorize payments during automated phone collection calls
    related:
      - IVR
      - Payment

  - term: IVR
    label: Interactive Voice Response
    definition: Automated phone system used in collections workflows to accept payments from consumers
    related:
      - Just-In-Time
      - Payment Source

  - term: TCPA
    label: TCPA Compliance
    definition: Compliance with the Telephone Consumer Protection Act, governing automated calling and texting practices in debt collection
    related:
      - Collections
      - Compliance

  - term: System of Record
    label: System of Record
    definition: The authoritative source of debt account data (e.g., Artiva, StratusPay) that synchronizes with Tratta
    related:
      - Integration
      - Import

  - term: Snowflake
    label: Snowflake Data Warehouse
    definition: Cloud data warehouse platform to which Tratta can replicate data for analytics and reporting
    related:
      - Data Warehouse
      - Integration

  - term: SFTP
    label: Secure File Transfer Protocol
    definition: Secure file exchange method used to transfer debt account data between Tratta and system-of-record platforms
    related:
      - Import
      - Integration

  - term: Rate Limit
    label: Rate Limit
    definition: The maximum number of API requests allowed per minute (default 300 requests/minute) before a 429 error is returned
    related:
      - API
      - Throttling

  - term: Organization UUID
    label: Organization UUID
    definition: A unique identifier assigned to each Tratta customer organization, used as part of the API base URL
    related:
      - Authentication
      - API