Modernize your digital commerce stack.

Retrofit outdated payment tech with apps and services designed to optimize the checkout.


Businesses that implemented dynamic pricing technology reported up to a 25% increase in net revenue by implementing Surcharging-as-a-Serviceā„¢ to RECOUP credit card processing fees.


Businesses that implemented smart routing technology reported an increase in revenue of between 15% and 30% due to a reduction in failed transactions and processing fees.


Businesses that implemented rapid checkout technology report up to a 90% increase in checkout speeds leading to higher conversion rates and happier more satisfying customer experiences.

Enrich the Point of Sale

Get the most out of every transaction.

RECOUP Dynamic Pricing

Update pricing on the fly.

DART Rapid Checkout

One-click secure payment page.

STACKS Transact

Unify payment transactions across every channel.

VAULT Secure Storage

Secures sensitive data without liability or risk.

STREAM Smart Routing

Optimized transaction routing.

MESH Connect

Securely connect and maintain routes.



We are on a mission to protect your profits.


Optimize payments, dramatically reduce processing fees, and increase conversions with integrated Scratchware apps and services through a simple single API.

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.