Your business, your way.

Create a business in portable payments with zero overhead and end-to-end control of your business.

Request a Demo

The ultimate business opportunity awaits

Unpredictable markets, work environments, and the desire for freedom is driving more individuals to take the leap into business ownership. We believe that with the right opportunity anyone can strike out on their own and become a success but most are constrained by time, experience, lack of capital, or all three. That's why we've designed the ultimate entrepreneurship experience for individuals who have the drive to succeed but lack the right opportunity. 


Build a business in portable payments


We've removed the obstacles to business ownership with our zero excuses program



Zero Investment.

Get Started for Free. Now there's nothing stopping you from starting your portable payments brand.


Zero Contracts.

You'll never sign a contract to maintain service as a Marketplace Partner.


Zero Quotas.

There's never any minimums, no quotas and no high pressure sales to sell more.



Now that we have your attention, 
here's how it works

Start your own business for free with no overhead, no catch.

You put in the work, we'll keep building killer apps


100% white label out of the box


You own the customer experience


Recurring revenue for the life of the customer


Everything you need, built in

Your business your way


Build your own self-serve marketplace


Accept credit card payments


Resell payments products set your own markup

Reseller Portal

Manage all your accounts in one place

net 30

Keep more revenue in your account longer

You take care of business


we'll take care of the billing


Integrated monthly recurring billing


Create your own subscriptions and payment terms


Create free trials and one time or recurring credits

Free Sign-ups

Wave credit card at sign-up

Go next level


Subscribe to premium business services when you are ready


Sales portal and simulator

True MDR™

RECOUP Surcharging savings calculator


Legal help and consulting for your business

Sales Plays

Sales consulting and business services

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.