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Twisto

Twisto

Central European BNPL

VS

Scratchpay

Veterinary Payment & Financing

Scratchpay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Scratchpay
Regions

0 shared

1 unique to Twisto · 1 unique to Scratchpay
Pay methods

2 shared

2 unique to Twisto · 2 unique to Scratchpay

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Show full specs
1 features · 6 payment methods · 2 regions. We don't rank these — they're here for reference.
Twisto Twisto
Scratchpay Scratchpay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
—
Founded
2013
2016
Headquarters
Prague, Czech Republic
Pasadena, California
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Scratchpay leads (1 vs 0)
Startup Friendly Unique
—
✓
Payment Methods
Bnpl
✓
✓
Credit Card
✓
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Installments Unique
✓
—
Virtual Card Unique
✓
—
Regions
Europe Unique
✓
—
North America Unique
—
✓

Twisto is best when you...

Central European BNPL
Want coverage in Europe
Scratchpay doesn't cover this region
View Twisto

Scratchpay is best when you...

Veterinary Payment & Financing
Need Startup Friendly
Not available with Twisto
Want coverage in North America
Twisto doesn't cover this region
View Scratchpay

Frequently Asked Questions

What is the difference between Twisto and Scratchpay?
They share 2 payment methods and 0 regions. Twisto adds Installments, Virtual Card that Scratchpay does not list; Scratchpay adds Debit Card, Digital Wallet that Twisto does not list; Twisto also covers Europe; Scratchpay also covers North America.
Which is cheaper, Twisto or Scratchpay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Twisto and Scratchpay?
Twisto lists 1 region and 4 payment methods; Scratchpay lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Twisto and Scratchpay compare on integration and settlement?
Twisto offers a sandbox, Scratchpay does not list one; both support webhooks.

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