specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
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
  - Private Label Credit
  - Co Brand Credit Cards
  - Plans
description: >-
  Bread Financial (formerly Alliance Data Systems) does not publish a self-serve
  developer pricing page for the Bread Pay BNPL API. The commercial relationship
  is a B2B contract negotiated with merchants and retail partners — merchant
  discount rate, integration fees, and consumer financing economics (APR,
  installment terms) are all set per-contract by the Bread Merchant
  Relationships team. Bread Pay consumer plans on the buyer side include
  SplitPay (typically 4 interest-free payments) and longer-term Installments
  (3–48 months, APRs vary), surfaced dynamically via the Payment Options API.
notes: >-
  Initial scaffold — merchant pricing is not publicly listed; consumer-side
  product terms are surfaced through the API rather than a static plan page.
sources:
  - https://www.breadfinancial.com/en/business-solutions/buy-now-pay-later.html
  - https://www.breadpayments.com/
  - https://platform-docs.breadpayments.com/bread-developers
  - https://docs.breadpayments.com/bread-classic/reference
plans:
  - id: bread-pay-merchant
    name: Bread Pay Merchant (Contract)
    type: enterprise
    description: >-
      Per-contract merchant pricing for Bread Pay BNPL integration. Merchant
      discount rate (MDR), integration setup fees, and revenue share are
      negotiated directly with Bread Financial.
    entries:
      - label: API Access
        name: api_access
        type: included
        metric: requests
        limit: -1
        timeFrame: usage
        geo: US
        unit: 1
        price: included in merchant contract
        userMultiplied: false
      - label: Merchant Discount Rate
        name: mdr
        type: percent
        metric: gmv
        limit: -1
        timeFrame: per_transaction
        geo: US
        unit: 1
        price: see merchant contract
        userMultiplied: false
    elements:
      - name: Pending Reconciliation
  - id: bread-pay-splitpay
    name: Bread Pay SplitPay (Consumer)
    type: consumer
    description: Short-term interest-free pay-in-N option offered to consumers at checkout.
    entries:
      - label: Installments
        name: splitpay_installments
        type: fixed
        metric: payments
        limit: 4
        timeFrame: 6_weeks
        geo: US
        unit: 1
        price: 0% APR
        userMultiplied: false
    elements:
      - name: Consumer SKU
  - id: bread-pay-installments
    name: Bread Pay Installments (Consumer)
    type: consumer
    description: Longer-term installment loans (3–48 months) with APR set by underwriting.
    entries:
      - label: Term
        name: term_months
        type: range
        metric: months
        limit: 48
        timeFrame: lifetime
        geo: US
        unit: 1
        price: APR varies by underwriting
        userMultiplied: false
    elements:
      - name: Consumer SKU
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com