Scratchware launches METERS the pay per use pricing utility and integrated payments system that is replacing subscription pricing. Read More

Payments your way.

Integrate once and access all your payment methods, providers, and protected data all in one place through a simple portal.

How It Works

The world's first adaptive portable payments infrastructure
for the new generation of connected commerce

Your ultimate all-in-one payments pipeline

requires initial platform integration

Unified Payments

Connect all your payments partners and channels in once place.

Smart Route

Automate payments with no-code workflows that route transactions to optimal providers.


Stay on trend with all the ways your customers want to pay with effortless updates in just a tap.


Securely own your payments data and use it anywhere to unify all the ways you get paid.

Intelligent payment surfaces


Create custom checkout surfaces that give shoppers access to all the ways they love to pay.

Stay On-Trend

Create custom payment experiences with no-code and low-code custom checkout options.

Update On-the-Fly

Increase conversions with on-trend payment options like BNPL and Pay in 4 with the flip of a switch.


Extend your stack in a flash


Activate new portable payments apps and edge services with just a tap

Effortless Automation


Payments, platforms, partners, and protected payments data altogether,

in one beautiful place through a single connection, under your control.

requires initial platform integration



We've taken the geek requirements out of optimizing your payments stack

with the MESH no-code orchestration and automation plane.



Connect payments partners and platforms with API keys or credentials


Orchestrate payments with simple no-code workflows


Keep an eye on all your connections with real-time payments transaction activity.


Activate, pause, or decommission integration routes with just a few clicks.



Monetize portable payments

Turn your payments integration into profits


Hello future


At Scratch, we are developing a new generation of portable payments technology that was born in the cloud and runs on unified data.

We call it Scratchware and it's shaping the future of payments.


Scratchware brings the connectivity of the cloud to payments.

Segmented & secure

Our infrustructure is distributed and built on zero trust.

Single codebase

We built our service architecture ground-up for the modern web.

Data first

Scratch data layers are infinitely elastic and scalable.

for platforms.

Accept and monetize payments while protecting profits with portability from Scratch.

Read Use Case

Get Scratch!
Go portable Protect profits

Automate payment routes, eliminate failed transactions and recover revenue typically lost to fees with one single integration and a simple connection.

How it Works Request a Demo


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.