Does this affect my credit score in any way?
We perform a soft credit inquiry when you check your rate through Scratchpay.com. This step allows you to check what rates and terms may be available to you. That inquiry will not affect your credit score at all.
If you are pre-approved for our Pay Later product, and choose to continue the Pay Later application, no hard credit inquiry will be performed and there will be no impact on your credit score at all.
In an instance where you are pre-approved for our Pay Over Time product, and choose to continue the Pay Over Time application, one hard credit inquiry will be performed. Hard inquiries can affect your credit score and are visible to third parties reviewing your credit report.
The interest rates on the website are a range. When will I get an exact number?
Since our merit-based interest rates are based on your entire personal and financial profile, your exact interest rate is calculated after you have submitted an application. Remember that submitting an application will not impact your credit score. If we offer you a loan and you are not satisfied with the interest rate you can easily decline our offer at zero cost, and there will be no impact on your credit score.
Do you link up with my bank account? Are payments made automatically or do I need to pay manually?
We provide an automatic payment option called an Electronic Fund Transfer via ACH so you never have to worry about forgetting a due date again. Using this option, we electronically debit your bank account for the amount you owe on your due date. Other payment options are available. Call 855-727-2395 to speak with a Specialist today to schedule your next payment.
Does Scratchpay pay the practice immediately, and then I pay Scratchpay in installments with interest?
Exactly! Scratchpay pays the practice immediately. Depending on the payment plan you have selected, you either pay Scratchpay in 90 days with no interest, or in monthly installments over a period of 12 or 24 months with interest based on the rate you qualify for. Scratchpay’s Take 5 loans are interest-free, so you’ll only be responsible for the total cost of treatment.
What happens if I miss a payment?
If you have already missed your scheduled payment, call our Payment Planning Team at 855-727-2395. Our payment planning Specialists are committed to getting you back on track by helping you set up a payment arrangement that fits your budget.
What if I can't make an upcoming payment?
If you find that you can't make an upcoming payment on your loan, call our friendly Customer Service Specialists at 855-727-2395. We will do our best to find a solution that keeps you on track.
Can I make additional payments or prepay my whole loan?
Of course! If you find yourself ahead of the game, you can make additional payments at your convenience with NO prepayment fees or penalties. Prepaying your loan will reduce future interest payments. To make an additional payment just call us at 855-727-2395. Refer to our Terms of Service for details on how payments are applied to outstanding balances.
Do I have to use one of your listed practices? Can I suggest a practice?
Yes, Scratchpay is only accepted at our partner locations. If your provider is not currently a Scratchpay partner (or if you would like to suggest a provider be added to the Scratchpay network) email the name of your practice to [email protected] and we will have a member of our Partnerships Team reach out to your practice.
How many medical bills can I use Scratchpay for? Can I put every practice visit on Scratchpay?
Yes! You can apply to use Scratchpay for every medical bill you have, and there is no pre-set limit to the number of medical bills you can use Scratchpay for. Applying will not affect your credit score. Within seconds of applying we let you know which plans are available for your transaction.
What bills can I get covered with Scratchpay? Are your payment plans only with veterinary care?
Scratchpay is offered in a wide variety of practices in the health and wellness space, including dental, vision, chiropractic and more. You can check out a list of Scratchpay partners in our directory at www.scratchpay.com/practices/search.
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: [email protected]
What does it cost to offer Scratchpay?
Nothing! The only cost associated with Scratchpay is a flat 5% transaction fee whenever a patient pays you using Scratchpay. There are no set-up fees, no long term contracts or commitments, and no hardware requirements.
How do I offer Scratchpay?
Offering Scratchpay is easy! All we need to get you started is some basic contact
info. Once a patient pays you using Scratchpay, we’ll need routing information to pay
you. Sign up for Scratchpay by following this link to our
Scratchpay
Partner Application.
How will my patients know I offer Scratchpay?
Scratchpay sends each Partner Practice a Launch Box with free marketing materials. If your practice ever needs more free supplies, just let us know by messaging
[email protected].
How do patients apply for Scratchpay?
Patients simply visit scratchpay.com on a computer, tablet, or phone and click “Find A Payment Plan” to start the application.
How do I know when a patient has paid me with Scratchpay?
Scratchpay sends instant emails to your practice as soon as your patient is approved. These emails let you know who the patient is, how much they’re approved for, and function as a guarantee for the full amount listed in the email, so you can get to work on the patient immediately!
How does Scratchpay know how much to pay me?
Once you’re partnered with Scratchpay, we activate your practice’s very own Scratchpay Dashboard. Your practice can use the Scratchpay Dashboard to finalize any open payments as well as review past payments.
How do I get paid by Scratchpay?
Scratchpay pays your practice through Direct Deposit. Each payment Scratchpay makes for patients at your practice will be its own line item in your bank statement from Scratchpay with an addendum detailing the patient's name and the fee associated with that transaction.
Does Scratchpay send monthly statements?
Yes! Scratchpay sends your practice monthly statements in the first week of the following month. You can also view your past Scratchpay payments through your Scratchpay Dashboard.
What happens if the patient fails to pay Scratchpay?
Scratchpay takes full responsibility for the patient once they’re approved and works with the patient to pay us back. A patient's ability to repay us has no effect on your practice. You get paid upfront and we take care of the patient.
No! You don’t have to check IDs, photocopy credentials, or gather any sensitive information. Each Scratchpay payment confirmation email will include a 6-digit Confirmation Code, which is identical to the one your patient receives when they’re approved. Just ask the patient for the code and you’re all good to go!
What if I need to refund a patient?
No problem! Just let us know the amount that needs to be refunded and we’ll remove that amount from the patient's account with us. If we’ve already paid those funds to your practice, don’t worry! We’ll create a Refund Tracker and use those funds against future payments to your practice.
What if a patient needs more funds?
We let each patient know exactly how much Scratchpay can lend to them. If a patient needs more funds, ask them to check their email to see any additional amounts still available to them through Scratchpay. All a patient needs to do to activate these funds is go through the application again.
If it’s been more than 7 days since the patient last used Scratchpay, just have them apply again at scratchpay.com.
What if a Payment Authorization Email is Not Received?
If there’s ever an issue with Scratchpay, get in touch with our Support Team immediately by either phone or email.
Phone: 855-727-2395
Email: [email protected]
What if a patient doesn’t have a phone that can receive text messages?
As a part of identity verification in our application, we text a one-time code to your patient's cellphone. They don’t need a smartphone, the phone just needs to be able to receive a text. If there’s ever a case where a patient doesn’t have a textable phone, you can try having the code texted to someone else’s or reach out to our Support Team.
Phone: 855-727-2395
Email: [email protected]
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: [email protected]
