# Scratchpay

> Scratchpay (Scratch Financial, Inc., NMLS ID 1582666) is a digital payment and financing platform for veterinary and human healthcare. Practices offer borrowers Scratch Pay installment plans ($200–$10,000, 12–24 months) and Scratch Checkout payment processing; the partner/borrower API lets integrators submit loan applications and receive an asynchronous approve/decline decision via callback.

## APIs
- [Scratchpay-API (borrower application)](https://github.com/scratchpay/Scratchpay-API): POST /application — submit a borrower loan application, returns a phone-verification redirect URL.
- [Scratchpay Care Credit API](https://github.com/scratchpay/Scratchpay-API): POST /application — application flow keyed by practice URL.
- [Partner-API (result callback)](https://github.com/scratchpay/Scratchpay-API): POST /application/{loanUniqueId}/result — Scratchpay delivers the decision to the partner.

## Specs
- openapi/scratchpay-scratchpay-1.0.0-apis-swagger.yml
- openapi/scratchpay-scratchpay-care-credit-1.0.0-apis-swagger.yml
- openapi/scratchpay-partner-1.0.0-apis-swagger.yml

## Artifacts
- authentication/scratchpay-authentication.yml — bearer integration token
- errors/scratchpay-problem-types.yml — HTTP 422 validation envelope
- conventions/scratchpay-conventions.yml — cross-cutting semantics
- asyncapi/scratchpay-partner-webhooks.yml — loan-result callback
- data-model/scratchpay-data-model.yml — entity graph
- mcp/scratchpay-mcp.yml — candidate MCP tools

## Docs
- [Third-party integration guide](https://scratchpay-lending.stonly.com/kb/guide/en/integrate-scratch-pay-plans-with-third-party-services-fnFPz1e3De/Steps/2720498)
- [Practice help center](https://scratchplan.stonly.com/kb/en/)
- [Integration token](https://my.scratchpay.com/#/clinic/token)
- [Practice dashboard](https://dashboard.scratchpay.com/)
- [Borrower account](https://account.scratchpay.com)

## Base URLs
- Production: https://scratchpay.com/api
- Staging: https://staging.scratchpay.com/api

## Auth
- Authorization: Bearer <integration-token> (issued from the Scratch Dashboard)