Our partner clinics are approving 2x more clients using Scratch than they were with other programs.
Starting accepting Scratch in minutes; no monthly fees, setup fees, cancellation fees, or processing minimums.
We send funds the same business day you confirm usage & funds arrive in your account within 2 business days.
Clinics love Scratch because no staff time is needed to help customers apply, or to run a credit card number.
Just one fee no matter which plan your client chooses, and we donate 1% of our revenue to help animals in need.
We are here when you need us all hours of the day. Call, email, text or chat.
“We’ve used Scratchpay with great success. The application process is very fast, and is done by the client on their cell phone. So far we’ve had a much higher approval rate than for Care Credit, it takes less time for our staff, and the cost is much less than Care Credit. The added advantages for us being open all night is that the system is never “down” like Care Credit often is in the middle of the night. There are no set up fees either. Advantages to the client are not having a credit inquiry if they don’t go through with the financing, ease of application, and being able to help their pet when they thought they didn’t have any options. We would highly recommend using Scratchpay.”
“We have had a very positive experience with Scratch. People really like the fact that they can check if they qualify without affecting their credit, and we have also experienced high rates of approval. The integration and launch were very simple. The whole program is simpler and less expensive than CareCredit. I would definitely recommend using Scratch.”
“My staff love Scratch. The bottom line is the ease of use and how quickly you get an answer. When it’s an emergency situation and the customer needs urgent care for their animal, Scratch is the perfect solution.”
"Thank you guys so much for helping me when no one else would, it's because of Scratchpay that my dog is with me today, not Wells Fargo, not CareCredit, none of them. Thank you!"
"Morrissey was suffering from a severe urinary tract infection. They treated him and he's doing much better. I am so grateful for Scratch!"
"Carlos needed an ultrasound to figure out why he keeps building fluid in his chest. He's doing fine now, we couldn't have gotten this far without the help of Scratch"
"Wesley had anemia and needed a blood transfusion. He stayed over night and by the next morning he was happy and wagging his tail. I want to thank Scratch and the whole team over at Crossroads for helping Wesley"
|Approval Rate||Scratch partner clinics are approving 2x more clients using Scratch than they were with other programs.||Other programs make sure their average borrower has a credit score of 710 or higher. That's great for them, but not for you or your customers!|
|Cost to Veterinarians||5% regardless of the plan your client chooses. No sign-up, monthly, or card processing fees. Funds sent the business day you confirm usage.||Expensive! $2,500 set-up fee, $299 per month and/or 5-13% transaction fees, and/or hidden fees ... when they claim their program to be free. Hard to tell when funds are sent.|
|Hardware, Software and Staff Requirements||NONE! No hardware or software required, and no need to login to an additional portal either. It's just that simple.||Special hardware solutions that require desk space and trainings. Portals that require staff to manage, and credit cards that require staff time to process.|
|Reliability (Downtime)||We do not go down in the middle of the night for updates ... in fact we never go down for updates. We are always here for you, your customers, and their pets.||Other programs often have system downtime for "updates", and are nonfunctional for hours (often in the middle of the night ... when you can't contact their customer support either)|
|Quality of Payment Plan Options||We customize our plans to fit the pet owner. This is why we can approve more customers AND provide multiple plan options. This is also why pet owners love us.||Other programs generally only offer a "one-size-fits-all" product. This is why they decline so many applicants AND why their customers write such nasty things about them on Yelp.|