It's Your Money
you should get to keep it.

Put more scratch back in your business.

Simplify payments, eliminate friction and reduce processing fees with the all in one platform from Scratch.

Now nothing stands between you and your profits.

Want to deliver a truly frictionless shopping experience while drastically cutting processing costs? Now you can.

Own the payments process with leading-edge cloud technologies that integrate seamlessly into your existing digital commerce stack to securely deliver the intelligent payments your business needs, the control you deserve and the flexible purchase options your customers want.

Take back control of the checkout

Increase purchase volume with flexible payment options while you save thousands in processing costs with intelligent routing and automated fee recovery.

Build a better business.

Unlock valuable insights that make it possible to anticipate and deliver exactly what your customers want with all your digital commerce data all in one place like never before.

Keep customers in your cart, and coming back.

Scratch integrations fit securely into your existing cart and can be easily customized to your exact brand specifications. Your customers won't know where you stop and where your Scratchware begins because it's all you through and through no re-directs, logins, or 3rd party pages to get in between you and completing a sale.

Choose a Better Way to Get Paid


Scratchware is a cloud-native platform built on a proprietary rapid development framework comprising small building block apps and services that run on aggregate data to deliver enhanced digital commerce and custom agnostic payments capabilities for companies.

What We Offer

SCRATCHWARE Provides: Profit Recovery Services including, Compliant Surcharging as a Service, Cash Discounting, Service Fee Delivery, Convenience Fees, Agnostic Intelligent Payments Routing, Data Aggregation, Secure Global Cloud APIs, Data Vaulting, Tokenization, Frictionless Commerce, Data Portability, Cloud Services, and Visualized Data.

Surcharging Service Areas

We provide surcharging service to the entire US, US territories, and Canada except in locations where Surcharging is prohibited. Service Fees are limited to authorized MCC Codes Only.


Scratch Software Inc. is committed to a diverse and distributed working environment and is headquartered in the United States

Please Contact us for business hours.