Our goal is to provide transparent and competitive pricing across all of our product lines - see below for our pricing by product line.
The pricing below is for Scratch Checkout, our payment processing solution. Scratch Checkout is always pay-as-you-go, and this service provides the ability to take omnichannel (digital or in-person) payments, including Text-to-Pay and our award-winning patient financing.
We've included our processing rates and platform fees below, and you can read more about other fees here
Award-winning patient financing
The pricing below is for Scratch Pay, our payment plan service. Scratch Pay is always pay-as-you-go (AKA no hidden start up fees or other fees), and each plan has the same flat fee. Our flat fee gives you full coverage to client defaults, and we pay you net of the fee up-front immediately after the plans are finalized (so you're not on the hook for clients defaulting on their plans)!
% of total Scratch payment amount
Veterinary
Vision, Dental, Medical
Addiction Treatment
12 equal payments, paid monthly.*
24 equal payments, paid monthly.*
All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.
*Scratch Pay plans are available in 12 to 36 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest
rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000
with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled
due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a $15 down payment is required.
Autopay enrollment is optional for 12-month, 24-month, and 36-month plans. Refunds are given for unused plans.
Scratch Connect is our custom suite of practice management system (PIMS) extensions and communications tools that is coming soon! If you're interested in being a beta customer, please let us know here
Scratch Comms is our client communication tools that is coming soon! If you're interested in being a beta customer, please let us know here
If you are a group of practices or a practice doing significant (over $10M a year) amount of payments volume, let's talk more
