The Friendly Alternative for Client Financing

No Sign Up Fee, No Monthly Fee, No Hardware
Welcome to transparent pricing and higher client approvals
More approvals
More pet parents qualify with Scratchpay
than with any other option.
Low transaction fee
Simple, flat-fee pricing.
Know exactly what you’re paying.
Donated to animals in need
Scratchpay gives back through charitable donations
to 501(c)3 partner organizations.

Register for an upcoming webinar

Join the thousands of clinics offering Scratchpay
We don’t mean to brag but…
Our partner clinics love us
SPCA Tampa Bay
Veterinary Center
“Thank you for your incredible service. The impact that Scratchpay has had on our business is impressive. The entire process takes very little staff time to manage, and payment is quick and easy.”
Highland Park
Animal Hospital
“Pet parents really like the fact that they can check if they qualify without affecting their credit! The whole program is simpler and less expensive. I highly recommend using Scratchpay.”
ACCESS Specialty
Animal Hospitals
“We are thrilled with Scratchpay! Our clients are thrilled with how easily they are approved. Our staff is grateful to no longer go through the laborious process of clients applying for CareCredit.”
Crossroads Animal
Emergency Clinics
“The application process is very fast. We’ve had a much higher approval rate, it takes less time for our staff and the cost is much less than with CareCredit”
Animal Emergency
Clinic of San Diego
“My staff love Scratchpay. The bottom line is the ease of use and how quickly you get an answer. When it’s an emergency situation and the customer needs urgent care for their animal, Scratchpay is the perfect solution!”
Denton County
Animal ER
“Scratchpay has given us an entirely new option for cost concerned clients at our ER. Almost no staff time is required and approvals have been much higher than anticipated. Great option to offer to your clients!”
How It Works
  1. 1
    Direct your client to on any Internet-connected device.
  2. 2
    Client finds their payment plan in seconds without affecting their credit score.
  3. 3
    You receive an instant confirmation email informing you how much your client has accepted.
  4. 4
    Treat the patient and finalize the loan using your private Dashboard.
Get started today!
  • No long term contract or obligation
  • Funds sent up-front, in full via ACH
  • No liability if client defaults
We mail every new Scratchpay partner clinic a Launch Box packed with free supplies (like brochures and our custom ScratchDog figurine)
Start offering Scratchpay today
No sign up fee, no monthly fee, and no hardware required