# Scratchpay

**Canonical:** https://apis.io/providers/scratchpay/  
**Website:** https://scratchpay.com  
**APIs profiled:** 2

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.

## Kin Score — 37.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 49.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Health**: 31.3 (matched via tags).

## Agent readiness — 40.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **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)

- **Scratchpay MCP Server**

## Agentic access (1)

- **Scratchpay Agentic Access** — 3 operations · 3 acting

## Security (2)

- **Scratchpay Authentication** — http · 1 scheme
- **Scratchpay Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/scratchpay/). Scores are computed from the provider's own public artifacts under a published rubric.