DigitalTax® Tru-Pay™
Real-time refund mitigation tools
Prevent property tax refunds before they happen
DigitalTax Tru-Pay is a free, cloud-based refund mitigation service that helps government agencies and mortgage servicers streamline property tax data management and reduce errors that lead to property tax refund payment errors. By integrating seamlessly with existing systems, Tru-Pay automates data ingestion, validates escrow tax amounts, and eliminates refund scenarios before they occur. There’s no need to alter your file format or take on added IT work. Backed by Cotality’s investment in secure, scalable technology, Tru-Pay delivers a modern, efficient solution for digital property tax payment accuracy and tax compliance, at no cost to taxing authorities or mortgage servicers.
No-cost solution
DigitalTax Tru-Pay is available at no charge to eligible tax agencies and mortgage servicers. Access advanced automation and real-time tax refund mitigation tools without impacting your budget.
Real-time data sync
Automated ingestion and validation ensure the latest property tax data is processed within minutes. Stay ahead of deadlines and eliminate lag from manual updates or delayed files.
Advanced refund prevention
Tru-Pay mitigates up to 2.5x more tax collector payment refunds than traditional methods by proactively identifying risks before payment. Minimize costly errors and improve financial accuracy.
No-cost solution
DigitalTax Tru-Pay is available at no charge to eligible tax agencies and mortgage servicers. Access advanced automation and real-time tax refund mitigation tools without impacting your budget.
Real-time data sync
Automated ingestion and validation ensure the latest property tax data is processed within minutes. Stay ahead of deadlines and eliminate lag from manual updates or delayed files.
Advanced refund prevention
Tru-Pay mitigates up to 2.5x more tax collector payment refunds than traditional methods by proactively identifying risks before payment. Minimize costly errors and improve financial accuracy.
Seamless system compatibility
Tru-Pay works with your current file formats and platforms. No reformatting or IT lift is required, making implementation fast, simple, and disruption-free.
Next-gen property tax processing
DigitalTax Tru-Pay reflects Cotality’s commitment to innovation. With fast data ingestion, refund mitigation, and seamless, secure integration, it delivers unmatched accuracy and savings—free for agencies and servicers seeking a smarter tax refund solution.
Centralized document exchange
Enable secure, centralized access to tax documents for taxing agencies and mortgage servicers. Reduce back-and-forth email chains and keep all stakeholders aligned with the latest documentation.
Daily data ingestion
Receive the latest tax data within minutes through secure, automated ingestion. Keep tax collector payment files current throughout the cycle without manual intervention or processing delays.
Refund validation dashboard
Gain real-time, parcel-level visibility into refund risks. Agencies can proactively resolve discrepancies before payments are sent, reducing refunds and enhancing tax compliance.
Raw data standardization
Submit your existing file layout as-is. Our system standardizes incoming tax data to meet processing requirements—no reformatting, no disruptions, just clean and ready-to-use data.
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Centralized document exchange
Enable secure, centralized access to tax documents for taxing agencies and mortgage servicers. Reduce back-and-forth email chains and keep all stakeholders aligned with the latest documentation.
Daily data ingestion
Receive the latest tax data within minutes through secure, automated ingestion. Keep tax collector payment files current throughout the cycle without manual intervention or processing delays.
Refund validation dashboard
Gain real-time, parcel-level visibility into refund risks. Agencies can proactively resolve discrepancies before payments are sent, reducing refunds and enhancing tax compliance.
Raw data standardization
Submit your existing file layout as-is. Our system standardizes incoming tax data to meet processing requirements—no reformatting, no disruptions, just clean and ready-to-use data.
Top 25
U.S. mortgage servicers are directly connected for secure data exchange and faster, more accurate property tax payments
Fast
validation and processing of updated tax data—supporting same-day ingestion and real-time visibility into refund risks
Flex
integration with your existing systems—Tru-Pay works with current file formats, requiring no tech overhaul for quick, disruption-free adoption
FAQ
What is DigitalTax Tru-Pay?
DigitalTax Tru-Pay is Cotality's improved refund mitigation process. It was designed to benefit taxing authorities, homeowners, and mortgage servicers by incorporating a taxing authority’s most recent tax data and using it to eliminate as many potential refund scenarios as possible before a bulk tax payment.
How is it different from previous versions of Tru-Pay?
Advanced automation creates a faster digital connection between taxing authorities and Cotality via the Collector Portal or SFTP (Secured File Transfer Protocol). Cotality can ingest refreshed tax data as provided by taxing authorities into our bulk tax payments within minutes.
Who is eligible to use DigitalTax Tru-Pay?
Any taxing authority willing to send tax amount files frequently during their payment cycle can benefit from DigitalTax Tru-Pay. No data format changes are required from the taxing authority.
What benefits can a taxing authority expect from DigitalTax Tru-Pay?
Taxing authorities can expect refund mitigation results far exceeding Cotality’s previous refund mitigation process. Our relationships with the nation’s top 25 mortgage servicers allows for swift and seamless tax collection. These benefits come at no cost to the taxing authority and require no changes to their tax data format.
What benefits can mortgage servicers and homeowners expect from DigitalTax Tru-Pay?
Mortgage Servicers can expect fewer refunds from taxing authorities and faster refund processing time, resulting in fewer homeowner inquiries. Homeowners can expect to experience less frustration about their escrow account activity.
What other services and insights are offered by Cotality Government Solutions?
- Secure Collector Portal:
- Payment Overview Dashboard: Provides insights for collectors into the Cotality payment life cycle.
- Payment Packages: Collectors can access import files, reports, parcel count, and amounts by installment and tax year for up to three years.
- Parcel Payment Details: Provides detailed information regarding parcels reported to mortgage servicer clients on bulk payments for the selected installment.
- Document Center: Provides a secure and transparent way to exchange property tax data using the Collector Portal.
- Tax Deferral Solutions: Assists public agencies in developing or enhancing their tax deferral programs through education, web-based and mobile applications, analysis, audit services, and homeowner outreach.
- Exemption Monitoring: Allows collectors to monitor for homestead exemption claims.
- Disaster Impact Analysis: Examines mid- to long-term effects of a disaster on tax revenue forecasts.
- Property Data Insights: Provides collectors with pertinent information, such as ownership change data, using Cotality's Smart Data Platform.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
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Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
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