The future of payments is portable

Securely own your data and use it to power your payments stack.

Go Portable

Introducing the fully composable portable payments stack

Integrate once and orchestrate your entire payment stack without code.

Future-proof payments with portability

The easiest way to add adaptability and flexibility to your software's payments stack

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.

Why Go Portable

The ways customers want to pay have changed, with Scratch, now the way you process payments can change too.

Adapt quickly

Get to market faster with more payment options in more locations without getting locked in to a single payments provider.

Protect revenue

Optimize payments with no-code payment orchestrations with workflows that route transactions to optimal providers.

Be competitive

Future-proof with on trend payment options with checkout controls that can be activated with the flip of a switch.

Avoid lockin

Securely own your payments data and use it anywhere to unify all the ways you get paid without liability or risk.

Simple for developers, made for humans

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

Enrich your stack with building block apps

Increase the value of sensitive data with apps and services that run on unified data

Get Scratch!
Go portable Protect profits

Own your payments data and use it to power 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.