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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).

© 2026 Scratch Financial, Inc. All Rights Reserved.

Scratch, Scratch Pay, Scratchpay, Scratch Checkout, and the Heart Logo are trademarks of Scratch Financial, Inc.