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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