Nobody gives your practice more ways to help pet owners manage costs than VetBilling®
| VetBilling® | CareCredit® | Scratchpay® |
|---|---|---|
| Manages in-house payment plans | No | No |
| Accepts ALL clients | No | No |
| Takes NONE of your treatment fees (no ACH fees / credit card fees apply) | Takes 5-15% of your treatment fees | Takes 5% of your treatment fees |
| Offers Prepayment Plans | No | No |
| Wellness Plan Payment Management (includes full collection services) | No | No |
| Pet Savings Accounts specifically tied to your practice | No | No |
| Membership Billing Services | No | No |
| Soft credit check to qualify clients | Soft credit check for eligibility; hard credit check upon acceptance of financing. | Soft credit check for eligibility; hard credit check upon acceptance of financing. |
| Practice determines which clients can be assisted financially | No | No |
| Practice has 100% control over all payment terms & conditions | No - approvals determined by CareCredit | No - approvals determined by Scratchpay |
| ZERO restrictions on maximum financed amount and payment term | Amount eligible for financing restricted by credit approval | Max financed amount $10K; max payment term 24 months |
| Offers RACE-approved CE on overcoming client cost objections | No | No |
| Family-owned company | Financial company (Synchrony Bank) | Financial start-up |