Accepted Cards for Scratch Pay Plan Down Payments

When completing a Scratch Pay plan, clients are required to make a down payment using an eligible payment card.

Eligible Cards

• The down payment must be made using a card in the name of the Scratch Pay applicant.

• The card can be a debit or credit card, as long as it is issued to the applicant.

• Prepaid cards cannot be used to complete a down payment.

• Cards in another person’s name cannot be used, even if that person is present.

Important Payment Attempt Guidelines

• Clients have up to three (3) attempts to successfully process the down payment.

• If the card payment is unsuccessful after three attempts, the Scratch Pay application will be automatically denied.

• Any additional application attempts made after this denial will trigger a velocity check denial.

Reapplying After a Denial

• The velocity check resets after two (2) months.

• Clients may reapply for Scratch Pay once the two-month period has passed.