Healthcare BNPL that grew from veterinary into dermatology and aesthetics
Scratchpay is a simple, transparent healthcare BNPL option that has expanded from veterinary into dermatology and aesthetics — soft-pull, flat-fee, up-front funding with strong Trustpilot sentiment, best suited to mid-ticket cases within its roughly $10,000 cap.
Scratchpay is a point-of-sale healthcare financing platform that pioneered simple, patient-friendly payment plans in veterinary care and has since expanded into dermatology and cosmetics/aesthetics. Patients apply in a couple of minutes with a soft credit check that does not affect their score, see clear plan options, and split treatment costs into monthly payments over roughly six to 24 months. Plans run from interest-free promotional terms up to variable-APR installment loans, on financed amounts up to about $10,000. The practice is paid up front and carries no repayment risk, in exchange for a flat, transparent merchant fee rather than an opaque, sliding schedule.
What distinguishes Scratchpay for aesthetic buyers is its emphasis on plain-language plans and a low-friction application that patients can complete on their own phone before or during checkout. Because it grew up in high-volume veterinary clinics, the platform is engineered for fast approvals and easy front-desk handoff, and its move into dermatology and cosmetics brings that same simplicity to elective aesthetic treatments. The roughly $10,000 financing ceiling means it fits mid-ticket aesthetic cases well, but larger multi-syringe or device packages may exceed its cap, so practices selling high-ticket bundles should confirm the limit covers their typical case size.
Ideal customer
Dermatology and aesthetic practices that want a simple, patient-friendly financing option with soft-pull approvals, transparent flat merchant fees, and up-front funding for mid-ticket treatments up to about $10,000.
Scratchpay is a healthcare buy-now-pay-later platform that made its name in veterinary care and has since expanded into dermatology and cosmetics/aesthetics. For a med spa, it's best understood as a simple, patient-friendly financing layer: patients apply on their own phone in a couple of minutes, choose a plain-language plan, and spread treatment costs over roughly six to 24 months, while the practice is paid up front and carries no repayment risk.
The mechanics suit a busy aesthetic front desk. Patients prequalify with a soft credit check that doesn't touch their score, plans range from interest-free promotional terms to variable-APR installments, and financed amounts run up to about $10,000. That ceiling makes Scratchpay a natural fit for mid-ticket aesthetic cases, though larger device or multi-syringe packages can exceed it.
Choose Scratchpay if you want a simple, transparent, patient-friendly financing program for mid-ticket dermatology and aesthetic treatments, and you value soft-pull approvals plus a flat, easy-to-explain merchant fee over deep aesthetics-specific integrations. Its strong, high-volume Trustpilot sentiment is a genuine reassurance. High-ticket practices should confirm the roughly $10,000 cap fits their case mix, and verify the current flat fee and plan rates during onboarding.
By Med Spa Vendor Hub Editorial Team. Last reviewed June 29, 2026. Independent editorial review — how we score.
Scratchpay pays the practice up front and carries no repayment risk, in exchange for a flat, transparent per-transaction merchant fee rather than a sliding schedule. Patients see interest-free promotional plans if qualified, otherwise variable-APR installment plans, on amounts up to about $10,000 with terms of roughly 6-24 months. Confirm the current flat fee and any plan-specific rates during onboarding.
Interest-free promotional plan
0% APR (patient)
per transaction
Qualified patients get a short interest-free installment plan; the practice is funded up front on a flat merchant fee.
Standard installment (patient APR)
Variable APR
per transaction
Fixed monthly plans over roughly 6-24 months on amounts up to about $10,000 for patients who don't take the interest-free option, priced at a variable APR by creditworthiness.
Merchant fee
Flat, transparent fee
per transaction
The practice pays a flat, disclosed per-transaction fee and is paid in full up front, carrying no repayment risk.
Pricing is researched from public sources and verified periodically; confirm current rates with the vendor.
Independent ratings from third-party review platforms, cited with sources. These are not our score.
A vendor-neutral guide to choosing patient financing for a med spa—covering why financing drives conversion, the six provider models, the deferred-interest trap, merchant economics, and how to match a provider to your patients.
Patient financing has no subscription - the practice pays a merchant discount fee (a % of each financed sale) and the patient pays APR or deferred interest. Here's a transparent 2026 breakdown of real merchant fees and patient rates by lender.
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