Surcharging calculator

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.)

Enter your average monthly credit card volume only.

Your current effective rate for credit card processing. Check a recent statement; make sure to exclude debit card transactions.

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.

What is credit card surcharging?
Why veterinary practices are adopting surcharging
Does surcharging drive clients away?
Where surcharging is and isn’t allowed
Want to factor in debit volume and client shift for a more precise number?
Try the
Advanced Surcharging Calculator, which is subject to the same  estimates and limitations described above.
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Read the Scratch State of Surcharging Whitepaper
Learn how surcharging helps practices manage rising costs.
With Scratch Checkout, enjoy a simple surcharging workflow designed to support compliant surcharging.
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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
Our conversion to Scratch Checkout went very well and we have had little-to-no resistance to passing along the card processing fee using surcharging.”
Kathryn
Lexington, KY
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How can surcharging help practices achieve financial stability?
Learn how surcharging helps practices manage rising costs.