Stay compliant, while saving on the cost of credit card processing with surcharging.
Get Started with Surcharging
*Actual savings may vary. Surcharging is optional and is not applied to debit or prepaid cards. Please note that this feature is not available in CT, MA, and ME due to state regulations.
**Based on internal estimates comparing average payment processing fees across multiple clinics. For example, a clinic processing $143,000 annually would typically pay ~$3,432 in fees at a 2.4% blended rate. With our solution, assuming 40% debit card usage, the estimated cost drops to ~$944, resulting in potential savings of ~$2,488 per clinic per year. Across a network of 12 or more clinics, this can exceed $30,000 annually in savings. Actual results may vary based on clinic size, payment mix, and processing volume.
Save 66%
Save 66% or more on credit card processing fees1
.png)
Save $30K/yr.
Increase clinic profits with credit card surcharging2
.png)
34%
34% of small businesses already use surcharging3
1 Clinics utilizing surcharging experienced a 66% reduction in processing fees as a percentage of total volume processed in Q3 (July 1, 2024, to September 30, 2024), compared to clinics not on surcharging.
2 Based on internal estimates comparing average payment processing fees across multiple clinics. For example, a clinic processing $143,000 annually would typically pay ~$3,432 in fees at a 2.4% blended rate. With our solution, assuming 40% debit card usage, the estimated cost drops to ~$944, resulting in potential savings of ~$2,488 per clinic per year. Across a network of 12 or more clinics, this can exceed $30,000 annually in savings. Actual results may vary based on clinic size, payment mix, and processing volume.
3 According to the J.D. Power 2025 U.S. Merchant Services Satisfaction Study, released on 1/14/2025.
With Scratch Checkout, enjoy simple and complaint surcharging.
A 2-3% fee is added only to credit card payments.
No fees for debit, prepaid cards, checks, or cash.
Fee is automatically applied—nothing new for your team to do!
Clients see the fee clearly on the terminal or payment link.
Most clients appreciate options & surcharging is often better received than raising prices.
No clinics have opted out after starting (as of Jan ‘25).
† Scratch will provide general resources or guidance on surcharging. It is strongly recommended that all clinics/practices also consult with a compliance professional on any additional requirements.
See what customers are saying.^
^Testimonials reflect the individual's opinion and may not be illustrative of all individual experience with Scratch.
Learn how surcharging helps practices manage rising costs.
Speak to our Practice Support team to learn more about Scratch Surcharging Support or book a demo to see Scratch in action.
Contact Practice Support
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.
FOLLOW US
GET THE APP
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.
