Scratchpay: Seamless Borrower Payment Platform for Veterinary Finance
To enhance loan repayment efficiency for pet owners, Scratchpay engaged CodeLink as an engineering partner to architect a high-availability borrower payment platform. Our collaboration delivered an enterprise-grade, full-stack solution featuring centralized payment management and a secure admin system for vet practitioner account activation.
17,000+ Veterinary Hospitals
The platform supports an extensive distributed network of veterinary hospitals across the U.S. and Canada, demonstrating its capacity for high-volume data processing and concurrent users.
20-Month Partnership
CodeLink’s engineering team was seamlessly embedded within the Scratchpay structure for 20 months, ensuring strategic alignment and long-term technical stability.
100% Platform Adoption
The borrower payment platform was fully rolled out to production and is now actively used by all Scratchpay clinics and their pet owner borrowers, ensuring maximum impact.
About the client
Scratchpay provides a high-velocity payment engine that turns expensive veterinary estimates into affordable, automated monthly plans. By replacing traditional, high-interest credit with a 60-second "checkout" experience, Scratchpay removes the financial friction that often delays critical pet care.
The challenge
Scratchpay, a leader in simple and friendly financing for pet care, sought to enhance its borrower experience and maintain its promise of "no hidden fees, no surprises.” The core challenge was to provide their clients with an easy-to-use, transparent platform to manage and pay back their loans, integrated seamlessly with their existing systems.
Why CodeLink?
Our value proposition centers on deep integration and a complementary culture. We provided a dedicated, full-time team of ReactJS and Golang developers who were quickly integrated. This enabled us to implement high-priority functionality iteratively and maintain a high level of responsiveness on the Mobile Web platform.
The result
We delivered a comprehensive Web and Mobile Web payment solution that is fully integrated with Payix and Scratchpay's core system. The platform fulfills the client’s goal of making it significantly easier for borrowers to manage and pay back their pet care loans.
