How much could your practice save with credit card surcharging?*
(Estimates are provided for informational purposes only and are
not a guarantee of savings, eligibility, or availability.)
Current volumes & rates
$
Enter your average monthly credit card volume only.
$
Enter your average monthly debit card volume only.
%
Your current effective rate for credit card processing. Check
a recent statement; make sure to exclude debit card
transactions.
%
Your current effective rate for debit card processing. Check a
recent statement; make sure to exclude credit card
transactions.
Surcharging
%
[Example value: 3%] The estimated surcharge rate applied to
eligible credit card transactions only, where permitted. The
surcharge amount varies by state or province and is
automatically set based on your selected location, subject
to applicable legal, card-network, processor, and Scratch
Checkout program limits.
50%
Some patients may choose to pay by debit to avoid surcharge
fees, which may increase your debit volume. Actual client
payment behavior may vary.
Monthly card fees paid by your practice
Before
After
Difference
Card volume
Credit Card
$100,000
$91,000
−$9,000
Debit Card
$50,000
$59,000
+$9,000
Monthly fees
Credit Card Fees
$2,800
$0
+$2,800
Debit Card Fees
$750
$885
+$135
Total Monthly Fees
$3,550
$885
−$2,665
Total Annual Fees
$42,600
$10,620
−$31,980
Surcharging is not available in your region due to local
regulations. Explore our other resources built to help your
practice grow.
*Assumes eligible credit card processing fees are fully offset by
permitted surcharges. Actual post-surcharge credit card fees may
vary and savings are not guaranteed.
**Actual savings may vary and are not guaranteed. This calculator is
provided for informational purposes only and should not be relied on
as a promise, guarantee, or assurance of savings, eligibility,
availability, or compliance. Surcharging is optional and is not
applied to debit or prepaid cards. Scratch Checkout surcharging is
not available in Connecticut, Massachusetts, Maine, Quebec, or any
other jurisdiction or transaction type where surcharging is
prohibited or unsupported. Additional rules, caps, notice
requirements, and disclosure requirements may apply by state,
province, card network, processor, merchant configuration, and
transaction type. Clinics should consult their own legal counsel
regarding applicable surcharging requirements, limitations, and
disclosures before implementing a surcharge program.
Read the Scratch State of Surcharging Whitepaper
Learn how surcharging helps practices manage rising costs.
A 2-3% fee is added only to eligible credit card payments.
Your clients pay no surcharge fees for debit, prepaid cards, checks, or cash.
Clients see the fee clearly on the terminal or payment link.before completing payment.+
The surcharge is automatically applied to eligible credit card transactions after the practice’s surcharging configuration is enabled.
^Where permitted and enabled, a surcharge is added only to eligible credit card payments and is subject to applicable legal, card-network, processor, and program limits. +Practices should also provide any required in-office, online, receipt, and point-of-sale disclosures.
Practices Thrive with Surcharging.
See what clients 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, FL
“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
Littleton, Colorado
**Testimonials reflect the individual's opinion and may not be illustrative of all individual experience with Scratch. Savings, client reactions, operational results, and financial outcomes vary and are not guaranteed.
How can surcharging help practices achieve financial stability?
Learn how surcharging helps practices manage rising costs.
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