Stay compliant, while saving on the cost of credit card processing with surcharging.
Get Started with Surcharging
Save 66%
Save 66% or more on credit card processing fees*
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Save $30K/yr.
Increase clinic profits with credit card surcharging**
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34%
34% of small businesses already use surcharging***
*Based on participating clinics, those 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 using 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 prepared by Scratch Financial, Inc. (Scratch) using illustrative clinic payment-processing assumptions and internal pricing calculations, not actual savings results from a statistically representative sample of clinics. For example, assuming 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 estimated potential savings of ~$2,488 per clinic per year. Across a network of 12 or more clinics, this could exceed $30,000 annually in estimated potential savings. Actual results may vary based on clinic size, payment mix, processing volume, card types, applicable rates, and other factors. These calculations are estimates only, are based on the assumptions stated above, and should not be interpreted as actual historical savings achieved by Scratch Pay customers. Internal estimates and savings calculations based on analysis as of May 1, 2025.
***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.
Your clients pay 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 provider's own experience and opinions, and may not reflect the experience of other providers. Results and experiences may vary. Testimonials may be edited for grammar, clarity, length, or product-name accuracy without changing the provider's meaning. Some providers may have received compensation or other incentives for sharing their experience.
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
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Scratch Pay plans in the U.S. are issued by WebBank. Scratch Pay plans in the U.S. are subject to eligibility and may not be available in all states.
In Canada, loans are issued by Scratch Financial, Inc.
Scratch Financial, Inc. DBA Scratchpay (NMLS ID 1582666).
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