The world's first portable payments layer

The easiest way to securely own your high-value data and use it to unlock your payments stack.

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Free your payments

Integrate once and connect your entire payments & digital commerce stack without writing a single line of code

Increase the value of sensitive data

Vault high-value payments and commerce data and use it to grow your business without risk

Automate payments without code

Get connected without code

Connect and manage multiple processors, payment methods and other payment services using secure sign-on or API credentials

Take charge of the checkout

Publish personalized checkout flows and update payment options without design experience or writing a single line of code.

Build the ultimate payments pipeline

Conditionally route payments, trigger actions that minimize risk, and localize payments without the need to be a geek

Automate payments without code

Minimize risk

Reduce loss by triggering risk response before transactions result in fraud.

Automate payments

Smart route transactions based on conditions such as amount, location, brand, or level of risk.

Update instantly

Publish personalize payment experiences without design experience or writing a single line of code.

Future proof

Avoid vendor lockin and automate payments across service providers.

Get sticky

Add a new level of stickiness with customizable payment experiences for ever member of your platform on a transaction-by-transaction basis

Cloud Commerce

Instantly activate new payment options, manage risk, accept payments globally, and balance surging transaction loads with advanced APIs.


Manage monthly recurring subscriptions, automatically re-try cards, activate fall-back protection, and smart route to optimal payment partners.


Expand globally, accept payments in local currency, and manage multi-tenant payments with unique personalization services.

*As a Service

Transition to usage-based pricing and reserved usage billing, smart route transactions, and integrated monthly billing.

Monetize your payment stack

Generate new revenue from a growing marketplace of white label payment apps and services your platform members use every day

Simple for developers, made for humans

Scratch integrates easily, is 100% brandable, and configurable through, no-code, user-friendly surfaces.

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Go portable Make bank

Own your payments data and use it to monetize your payments stack.

How it Works Request a Demo


Unlock and unify your data so that you can safely use it to orchestrate payments and optimize your business across all our favorite apps and services from a single portal through a single connection that you control.

What We Offer

Scratch is a cloud-native portable data utility that provides secure payment data pipelines so that businesses can securely store their data and use it with any trusted third party to orchestrate payments, streamline business processes, and eliminate single points of failure

Credit Card Surcharging as a Service.

Scratch provides credit card Surcharging-as-a-Serviceā„¢ to the entire world where credit card surcharging is permitted with RECOUP and True MDR the only truly compliant credit card surcharging solution available through a single connection.


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.