Once a client accepts and uses their Scratch Pay plan, Scratch takes on full responsibility if that client defaults on payments - we will never come back to your practice as part of that delinquency. If a patient does raise a dispute with us, our standard procedure involves requesting a copy of the invoice detailing the services provided for clarification.
In some rare cases where we notice unusually high default rates from a practice, we reserve the right to:
Apply more stringent criteria for approval
Decrease amounts originated to clients, and
Require additional verification from clients to take out payment plans