Navigating Surcharging for Financial Stability

Adoption of surcharging has accelerated since 2024 as practices realize meaningful cost savings without compromising revenue. Today, practices that switch to Scratch Checkout (payment processing) and opt into surcharging save an average of $35k in fees per practice annually.*

*Calculated based on fee savings compared to standard pricing for an average hospital with $2M annual revenue at a 2.40% effective rate. Actual results vary by payment mix, current fee structure, and processing volume.

Download the White Paper

What You’ll Learn

Why Consider Credit Card Surcharges

Understand the financial benefits of surcharging.

Navigating Surcharging Regulations

Ensure compliance and avoid legal pitfalls.

Understand the Financial Impact

See how practices are realizing meaningful cost savings without compromising revenue.

Proactive Client Communication

Learn how to discuss surcharging with clients to maintain trust.

Save with Credit Card Surcharging, a key part of Scratch’s Payment Processing Solution

Why Surcharging Matters:

Surcharging helps Veterinary practices stay compliant, while saving on the costs of credit card processing with surcharging. This white paper* provides information on:

What surcharging is and how clinics are using it to offset credit card processing costs
Where to find savings with surcharging while still delivering quality care
Enhancing client communications and transparency

Download the Scratch State of Surcharging Whitepaper

Interested in how surcharging can help your practice manage rising costs?

^*INFORMATIONAL PURPOSES ONLY: The information found in the white paper has been prepared by Scratch and is intended for informational purposes only. All information in the white paper does not constitute professional or legal advice and is not guaranteed to be accurate, complete, reliable, or error-free.

Why Consider Surcharging?

Save 66%

Save 66% or more on credit card processing fees¹

Save $30K/yr.

Increase clinic profits with credit card surcharging²

34%

34% of small businesses already use surcharging³

1. Clinics utilizing surcharging experienced a 66% reduction in processing fees as a percentage of total volume processed in Q3 (July 1, 2024, to September 30, 2024), compared to clinics not on surcharging.

2. Based on internal estimates comparing average payment processing fees across multiple clinics. For example, a clinic processing $143,000 annually would typically pay ~$3,432 in fees at a 2.4% blended rate. With our solution, assuming 40% debit card usage, the estimated cost drops to ~$944, resulting in potential savings of ~$2,488 per clinic per year. Across a network of 12 or more clinics, this can exceed $30,000 annually in savings. Actual results may vary based on clinic size, payment mix, and processing volume.

3. According to the J.D. Power 2025 U.S. Merchant Services Satisfaction Study, released on 1/14/2025.

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What Clinics are Saying**

"Cost savings have been remarkably different from previous months. It helps that the terminal automatically charges the fee, so we don't have to do it manually. This makes it easier for clients to understand how much they are being charged and prevents confusion."

Valeria,

Assistant Practice Manager at Sunset Animal Hospital, Sunrise, Florida

"Surcharging has really helped our financial health by keeping costs down for clients. Instead of seeing higher treatment or service charges, they just see a small additional fee at the end of their bill. It's been easier for clients to handle compared to large price jumps. Thanks to this, we've also been able to offer better products and higher-quality care."

Tabitha,

Financial Manager, Colorado Equine Clinic, Littleton, CO

**The testimonial provided are individual experiences reflecting the use of Scratch products and services. Individual results may vary, and the experiences described are not a guarantee of typical results. Testimonials may be edited for grammar, clarity, brevity, or misstatement of the Scratch product name. Individuals providing testimonials may have received free products, services or other incentives in exchange for sharing their experiences. All opinions and views expressed in the testimonials are solely those of the individuals who provided them. Scratch is not responsible for the accuracy or completeness of the testimonials.