1. FAQs
  2. General
  3. Basic information

What does it cost to offer Scratchpay?

For Scratchpay Lending (my.scratchpay.com):

To sign up for Scratchpay Lending, there are no setup fees or monthly fees, software or hardware installs, or commitments. The only cost associated with Scratchpay Lending 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 Scratchpay Checkout (scratchpay.cash)

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 Checkout fee structure, visit our legal page here