1. FAQs
  2. General
  3. Basic information

What does it cost to offer Scratch Pay?

For Scratch Plan patient financing (my.scratchpay.com):

To sign up to offer Scratch Plan financing to your patients or clients, there are no setup fees or monthly fees, software or hardware installs, or commitments. The only cost associated with Scratch Plan financing is a flat provider fee on the payment plans your patients accept. The rate of your practice’s provider fee varies based on your industry:

Segment Provider Fee (% of total Scratchpay Payment Amount)
Veterinary 5%
Vision/Dental/Medical 7%
Addiction Treatment 15%

Find more information on your industry:



Vision & LASIK

Chiropractic & Physical Therapy

Primary Care

Dermatology & Cosmetic Surgery

Please see our Program Agreement on our legal page for full terms.

For Scratch Pay digital and in-practice payments (dashboard.getscratch.com)

Overview of our Payment Service Fees:

Fee Tiers by Net Monthly Volume Percentage of Transaction Amount Fixed Amount Per Payment Request
Fee Tier 1: Greater than $150,000 1.95% $0.20
Fee Tier 2: $90,000 to $150,000 2.15% $0.25
Fee Tier 3: $40,000 to $90,000 2.45% $0.30
Fee Tier 4: $0 to $40,000 2.65% $0.30

For more information and to view our full Scratch Pay fee structure, visit our legal page here


Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.