Manages in-house payment plans | No | No |
Accepts ALL clients | No | No |
Takes NONE of your treatment fees | 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 |