What happens if my patient or client does not pay back their Scratch Plan?

Once a patient or client accepts and uses a payment plan, Scratch takes full responsibility if the patient defaults and will never dispute charges for a delinquent patient with you! If a patient ever disputes a charge with us, we will request a copy of the invoice with the services provided.

That said, in some rare cases where we notice unusually high default rates from a practice, we do reserve the right to (i) apply more stringent criteria for approval, (ii) decrease amounts originated to patients, and (iii) require additional verification from patients to take out payment plans.


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.