Scratchpay

• ACH (US)railinferredDomestic rail for US; participation assumed.
• CloudflarecdnobservedsourceObserved on 2026-11-10 from the public site: cf-ray header. Says what serves the website, not what runs payments.
• Federal Reserve Financial ServicesrailinferredDomestic rail for US; participation assumed.
• FedNowrailinferredDomestic rail for US; participation assumed.
• Mastercardcard-schemeinferredIssues or accepts scheme cards; assumed for banks, neobanks, wallets and BNPL.
• RTP (The Clearing House)railinferredDomestic rail for US; participation assumed.
• Visacard-schemeinferredIssues or accepts scheme cards; assumed for banks, neobanks, wallets and BNPL.

Confirmed dependencies cite a public source. Observed ones are read weekly from the public website's DNS and response headers and say what serves the site, not what runs payments. Inferred ones are assumptions from the service's market and type and are never presented as fact.

• status pagestatus.scratchpay.com/api/v2/summary.json
• reachabilityscratchpay.com
• fingerprintscratchpay.com
• socialpublic.api.bsky.app/xrpc/app.bsky.feed.searchPosts?q=Scratchpay%20down&sort=latest&limit=25(not polled: needs a parser or the provider's consent)
• socialwww.reddit.com/search.json?q=%22Scratchpay%22%20(down%20OR%20outage%20OR%20%22not%20working%22)&sort=new&t=day&limit=25(not polled: needs a parser or the provider's consent)
• newsnews.google.com/rss/search?q=%22Scratchpay%22%20(outage%20OR%20down%20OR%20%22not%20working%22%20OR%20issues%20OR%20problems)&hl=en&gl=US&ceid=US:en