Now, an even better way to get paid.


Clever people use Scratchware to protect a tremendous amount of revenue typically lost to fees, friction, and fraud during the checkout process.

Digitally transforming commerce

Now nothing stands between you and your profits.


Scratchware's powerful apps and services work behind the scenes to enrich out-of-date payment tech and protect profits everywhere digital commerce happens.

Recoup processing fees.
Reduce revenue lost to failed transactions.
Protect cardholder data.

Enrich your stack

Future proof your growth and innovation.

Gain access to hundreds of combinations of pay-as-you-grow apps and services designed to secure, unify, and enrich the digital commerce stack.

Illuminate blind spots

Start operating at a whole new level.

Scratchware unifies siloed digital commerce data revealing valuable insights that protect profits, lead to new revenue strategies, and spark innovation.

Eliminate single points of failures

multiply and unify accounts

Create and unify multiple merchant and digital commerce accounts in one portal. Spread risk and transactions across multiple accounts and eliminate the potential for lock-in, loss of data, or loss of business continuity.  


Why Scratchware

Protect profits, avoid vendor lock-in, and optimize the checkout experience.


Dramatically Increase Revenue

Recover fees, reduce failed transactions, effectively fight fraud, and win more disputes.

Achieve Optionality

Leverage optimized smart route technology to achieve best price outcomes, and avoid vendor lockin.

Enrich Digital Commerce

Deliver enhancements directly to the checkout flow, across every channel, without technical know-how.

The all-in-one platform

Take charge of the checkout

Scratchware is putting companies back in charge by removing the countless 3rd parties, layers of dysfunctional archaic technology, and complexity that has developed between companies, their data, and their customers.



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.