Join over 17,000 Leading Veterinary Hospitals
Financial flexibility for your clients, and financial success for your practice with two great solutions from Scratch.
*Average monthly savings on fees for practices that switched to Scratch Checkout in 12 months ending 11/1/2023.
Predictable,
Flat-Rate Pricing
Avoid high rates for rewards or premium cards. Veterinary practices save over $10,000 per year with Scratch.*
Streamline Your
Front Desk Processes
Experience simplified front desk operations with efficient PIMS workflows
Flexible Payment
Options
Empower your customers with convenient payment choices like email-to-pay, text-to-pay, and mobile terminals.
Recurring
Payments
Offer your clients subscription and wellness plans with out-of-the-box recurring payment offerings with PCI Level-1 compliance.
*Average monthly savings on fees for practices that switched to Scratch Checkout in 12 months ending 11/1/2023.
When clients check out, a surcharge can be added to their total for credit card payments.
With curbside service, send patient forms and allow clients to text upon arrival, all from your Scratch Dashboard.
Offer your clients a portfolio of payment options, from credit cards and digital wallets to access to payment plans.
Simplify your daily reconciliation process by syncing payments to your PIMS in minutes!
No setup costs.
No cancellation fees.
Patient Financing at Checkout
Integrated with Leading PIMS
Digital & In-Person Payment Options
Automated AR Collections
Patient Financing at Checkout
Integrated with Leading PIMS
Digital & In-Person Payment Options
Automated AR Collections
Scratch Checkout connects seamlessly with the leading practice management software. Payments automatically reconcile with your PIMS, saving your team valuable time.
Flat-rate pricing structure.
Voted “Easiest Payment Partner to Use.”
Finding a plan won’t affect your credit score.†
†Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.
Making it easier for pet owners to give their pets needed care.
Late fees apply. 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.
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
24 Monthly Payments*
APR
0-36%
Down Payment
$15
*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.
Pet owners can quickly see if they qualify— with no impact to their credit scores!
78% of partner practices say Scratch Pay has the highest approval rate and is the easiest to use!2
+17k practices nationwide trust Scratch Pay for their clients.3
1Standard late fees apply. Please review the terms presented to you during application carefully.
2Source: Survey based on a 2020 survey sent to ~9000 partners.
3Number of practices using Scratch Pay as of February 10, 2025.
See what clients are saying.**
**Testimonials reflect the individual's opinion and may not be illustrative of all individual experience with Scratch.
Speak to a Scratch Representative to learn more or schedule a demo today.
Quickly Manage &
Receive Payments
Including by credit or debit card, check, digital payment or bank transfer.
Offer Lending Right At
Point of Payment
Customers can submit a loan application and receive a decision in minutes!
Easily Invoice
Customers
Send invoices conveniently via email or text message.
Save Time with
Streamlined Accounting
With robust reporting tools, practice accounting is even easier.
We believe patients deserve access to affordable care.
As the leader in payment processing and financing for veterinary practices across the U.S. and Canada, we’re creating products and services that simplify and add delight to patient and practice experiences.
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Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.
