Scratchpay

Scratchpay (Scratch Financial, Inc., NMLS ID 1582666) is a digital payment and financing platform for veterinary and human healthcare. Practices offer borrowers Scratch Pay installment plans ($200-$10,000 over 12-24 months, 0-36% APR) with no hidden fees and a soft credit check, plus Scratch Checkout payment processing and Scratch Comms patient communications. Over 12,000 veterinary hospitals across the U.S. and Canada integrate Scratch, which pays practices up front and collects from borrowers. Scratchpay exposes a partner/borrower API (published as archived OpenAPI on GitHub) for submitting loan applications and receiving an asynchronous approve/decline decision via a partner callback. Backed by Norwest Venture Partners.

Scratchpay publishes 2 API contracts indexed on the APIs.io network: Borrower application API and Borrower application result API. Tagged areas include Company, Financing, Payments, Lending, and Veterinary.

The Scratchpay catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Scratchpay’s developer surface includes documentation, API reference, support, engineering blog, authentication, sandbox, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

37.9/100 thin ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

3 published contracts

Company Financing Payments Lending Veterinary Healthcare Fintech Buy Now Pay Later Point-of-Sale

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 37.9/100 · thin

Contract Quality 9.0 / 19

Developer Ergonomics 6.4 / 15

Access Clarity 4.1 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 2.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Health regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 27.6 — up to +14.5 composite points
Contract Quality scores 47.9 — up to +13.0 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/scratchpay/apis.yml: open an issue on github.com/api-evangelist/scratchpay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Veterinary & Pet Care	regulated	19.2 (thin)	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.2 (thin)	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Scratchpay Borrower application API

The Borrower application API from Scratchpay — 1 operation(s) for borrower application.

Scratchpay Borrower application result API

The Borrower application result API from Scratchpay — 1 operation(s) for borrower application result.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Partner Borrower application API

OPEN COLLECTION

Partner Borrower application Borrower application result API

OPEN COLLECTION

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Scratchpay Partner Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Scratchpay API Rules

36 rules · 34 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Scratchpay Care Credit Overlay

3 actions · documentation · scratchpay-scratchpay-care-credit-1.0.0-apis-swagger.yml

DERIVED

Scratchpay Partner Overlay

2 actions · documentation · scratchpay-partner-1.0.0-apis-swagger.yml

DERIVED

Scratchpay Scratchpay Overlay

3 actions · documentation · scratchpay-scratchpay-1.0.0-apis-swagger.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Scratchpay Authentication

http · 1 scheme

SECURITY

Scratchpay Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Scratchpay Agentic Access

3 operations · 3 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgenticAccess

AgenticAccess

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Webhooks

DataModel

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: scratchpay
name: Scratchpay
description: Scratchpay (Scratch Financial, Inc., NMLS ID 1582666) is a digital payment and financing platform for veterinary
  and human healthcare. Practices offer borrowers Scratch Pay installment plans ($200-$10,000 over 12-24 months, 0-36% APR)
  with no hidden fees and a soft credit check, plus Scratch Checkout payment processing and Scratch Comms patient communications.
  Over 12,000 veterinary hospitals across the U.S. and Canada integrate Scratch, which pays practices up front and collects
  from borrowers. Scratchpay exposes a partner/borrower API (published as archived OpenAPI on GitHub) for submitting loan
  applications and receiving an asynchronous approve/decline decision via a partner callback. Backed by Norwest Venture Partners.
url: https://raw.githubusercontent.com/api-evangelist/scratchpay/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://6598889.fs1.hubspotusercontent-na1.net/hubfs/6598889/New%20Site%202025/newsite.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- norwest-venture-partners
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financing
- Payments
- Lending
- Veterinary
- Healthcare
- Fintech
- Buy Now Pay Later
- Point-of-Sale
tags_raw:
- Company
- Financing
- Payments
- Lending
- Veterinary
- Healthcare
- Fintech
- Buy Now Pay Later
- Point of Sale
apis:
- aid: scratchpay:scratchpay-borrower-application-api
  name: Scratchpay Borrower application API
  description: The Borrower application API from Scratchpay — 1 operation(s) for borrower application.
  humanURL: https://github.com/scratchpay/Scratchpay-API
  baseURL: https://scratchpay.com/api
  tags:
  - Borrower application
  properties:
  - type: OpenAPI
    url: openapi/scratchpay-borrower-application-api-openapi.yml
  - type: Staging
    url: https://staging.scratchpay.com/api
- aid: scratchpay:scratchpay-borrower-application-result-api
  name: Scratchpay Borrower application result API
  description: The Borrower application result API from Scratchpay — 1 operation(s) for borrower application result.
  humanURL: https://github.com/scratchpay/Scratchpay-API
  baseURL: https://scratchpay.com/api
  tags:
  - Borrower application result
  properties:
  - type: OpenAPI
    url: openapi/scratchpay-borrower-application-result-api-openapi.yml
  - type: Staging
    url: https://staging.scratchpay.com/api
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/scratchpay-care-credit-overlay.yaml
- type: Website
  url: https://scratchpay.com
- type: Documentation
  url: https://scratchpay-lending.stonly.com/kb/guide/en/integrate-scratch-pay-plans-with-third-party-services-fnFPz1e3De/Steps/2720498
- type: APIReference
  url: https://github.com/scratchpay/Scratchpay-API
- type: GitHubOrganization
  url: https://github.com/scratchpay
- type: Support
  url: https://scratchpay.com/practice-support
- type: Blog
  url: https://scratchpay.com/news
- type: Login
  url: https://dashboard.scratchpay.com/
- type: TermsOfService
  url: https://scratchpay.com/legal/terms-of-services
- type: PrivacyPolicy
  url: https://scratchpay.com/legal/privacy
- type: Authentication
  url: authentication/scratchpay-authentication.yml
- type: ErrorCatalog
  url: errors/scratchpay-problem-types.yml
- type: Conventions
  url: conventions/scratchpay-conventions.yml
- type: Webhooks
  url: asyncapi/scratchpay-partner-webhooks.yml
- type: DataModel
  url: data-model/scratchpay-data-model.yml
- type: Conformance
  url: conformance/scratchpay-conformance.yml
- type: Sandbox
  url: sandbox/scratchpay-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/scratchpay-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/scratchpay-llms.txt
- type: AgenticAccess
  url: agentic-access/scratchpay-agentic-access.yml
- type: DomainSecurity
  url: security/scratchpay-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 17
  pass: local-v1

Scratchpay API — frequently asked questions

Does Scratchpay have an API?

Yes. APIs.io lists 2 APIs from Scratchpay, including Scratchpay Borrower application API and Scratchpay Borrower application result API.

Is there an OpenAPI specification for the Scratchpay API?

Yes. APIs.io indexes 2 OpenAPI specifications for Scratchpay, each linked for download from this page.

How do I authenticate with the Scratchpay API?

Scratchpay uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Scratchpay Authentication.

Is the Scratchpay API ready for AI agents?

Scratchpay has a Kin Score of 37.9 out of 100 (thin) and an Agent Readiness score of 27.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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