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 APIs 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.

Scratchpay’s developer surface includes documentation, API reference, support, engineering blog, authentication, sandbox, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub
42.5/100 thin ▬ flat Agent 66/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
2 APIs 1 MCP Servers
CompanyFinancingPaymentsLendingVeterinaryHealthcareFintechBuy Now Pay LaterPoint of Sale

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 42.5/100 · thin
Contract Quality 13.1 / 25
Developer Ergonomics 9.6 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 66/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/scratchpay: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

scratchpay-mcp.yml

MCP SERVER

Event Specifications 1

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

Scratchpay Partner Webhooks

ASYNCAPI

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

3 operations · 3 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login
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

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgenticAccess
AgenticAccess

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Webhooks
Webhooks
 DataModel
DataModel
 Conformance
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

Source (apis.yml)

apis.yml Raw ↑ 
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
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- 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: 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: MCPServer
  url: mcp/scratchpay-mcp.yml
- 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