specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Alliance Data Systems (Bread Financial Holdings)
providerId: alliance-data-systems
created: '2026-05-23'
modified: '2026-05-23'
reconciled: false
tags:
  - Financial Services
  - Fintech
  - Buy Now Pay Later
  - BNPL
  - Bread Pay
  - FinOps
  - Cost Management
  - FOCUS
description: >-
  FOCUS-aligned FinOps placeholder for Bread Financial. The Bread Pay BNPL
  product is not consumed via a metered SaaS billing surface; commercial terms
  flow through a B2B merchant contract (merchant discount rate, monthly
  reporting, settlement statements from Comenity Bank / Comenity Capital
  Bank). Treat Bread invoices as the canonical billing artifact and reconcile
  per merchant ID.
notes: >-
  Initial scaffold — there is no self-serve usage export. Pull merchant
  settlement statements from the Bread Merchant Portal and reconcile in your
  FinOps store against your transaction system of record.
sources:
  - https://www.breadfinancial.com/en/business-solutions/buy-now-pay-later.html
  - https://platform-docs.breadpayments.com/bread-developers
  - https://docs.breadpayments.com/bread-classic/reference
  - https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Bread Financial Holdings
serviceCategory: Financial Services
billingModel:
  pricingCategory: Merchant Discount Rate + Integration Fees
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Adjustment
focusColumns:
  ServiceName: Bread Pay
  ServiceCategory: BNPL
  ProviderName: Bread Financial Holdings
  PublisherName: Bread Financial Holdings
  InvoiceIssuerName: Comenity Capital Bank
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: transactions_authorized
    description: Count of authorized Bread Pay transactions per merchant.
    unit: transaction
    aggregation: sum
    dimensions:
      - merchantId
      - productType
  - name: gmv_processed
    description: Gross merchandise value processed through Bread Pay (minor units).
    unit: USD
    aggregation: sum
    dimensions:
      - merchantId
      - productType
  - name: merchant_discount_rate
    description: MDR applied to GMV per merchant contract.
    unit: percent
    aggregation: weighted_average
    dimensions:
      - merchantId
principles:
  - name: Visibility
    description: Pull monthly Bread merchant statements and reconcile against your transaction system of record.
  - name: Allocation
    description: Tag transactions with merchantId + productType to attribute Bread costs to consuming business units.
  - name: Optimization
    description: Renegotiate MDR at contract renewal based on volume tiers; mix product types (SplitPay vs Installments) to match buyer LTV.
  - name: Accountability
    description: Assign a Bread merchant relationship owner per legal entity to review monthly statements.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com