vocabulary: "1.0.0"

info:
  provider: "Alliance Data Systems (Bread Financial Holdings)"
  description: "Unified taxonomy for the legacy Alliance Data Systems holding company and its successor Bread Financial Holdings (NYSE BFH), covering corporate structure (rebrand, spinoffs, divestitures), regulated banking subsidiaries (Comenity Bank, Comenity Capital Bank), and the active Bread Pay BNPL API surface."
  created: "2026-04-19"
  modified: "2026-05-23"

corporate:
  legalEntities:
    - name: Bread Financial Holdings, Inc.
      ticker: BFH
      exchange: NYSE
      headquarters: Columbus, Ohio
      formerName: Alliance Data Systems Corporation
      rebrandedOn: "2022-03-23"
      tickerListedOn: "2022-04-04"
    - name: Alliance Data Systems Corporation
      formed: "1996-12"
      ipo: "2001"
      formerTicker: ADS
      status: rebranded
  subsidiaries:
    - name: Comenity Bank
      type: Utah state-chartered industrial bank
      role: Private-label and co-brand card issuer
    - name: Comenity Capital Bank
      type: Utah state-chartered bank
      role: Co-brand and direct-to-consumer deposit issuer
    - name: Bread
      acquiredOn: "2020-12"
      acquisitionPrice: "$450M"
      role: BNPL platform; brand inherited by parent in 2022 rebrand
  divestitures:
    - name: Epsilon
      buyer: Publicis Groupe
      closedOn: "2019-07"
      price: "$4.4B"
      segment: Data-driven marketing and CRM
    - name: LoyaltyOne
      vehicle: Loyalty Ventures Inc.
      ticker: LTRN
      spinoffOn: "2021-11"
      contents: AIR MILES Reward Program (Canada), BrandLoyalty (Netherlands)

operational:
  apis:
    - namespace: bread-pay-platform
      name: Bread Pay Platform API
      version: "1.0"
      baseUrl: https://api.platform.breadpayments.com/api
      previewBaseUrl: https://api-preview.platform.breadpayments.com/api
      auth: oauth2-client-credentials
      status: active
    - namespace: bread-classic-merchant
      name: Bread Classic Merchant API
      version: "1.0"
      baseUrl: https://api.breadpayments.com
      auth: bearer
      status: legacy
    - namespace: bread-js-sdk
      name: Bread JavaScript SDK
      version: "1.0"
      baseUrl: https://connect.breadpayments.com/sdk.js
      previewBaseUrl: https://connect-preview.breadpayments.com/sdk.js
      auth: integration-key
      status: active
    - namespace: bread-mobile-ios
      name: Bread Financial Brand Partners iOS SDK
      repo: https://github.com/bppub/breadfinancial-brand-partners-ios
      language: Swift
      status: active
    - namespace: bread-mobile-android
      name: Bread Financial Brand Partners Android SDK
      repo: https://github.com/bppub/breadfinancial-brand-partners-android
      language: Kotlin
      status: active
    - namespace: bread-webhooks
      name: Bread Webhooks
      version: "1.0"
      status: active

  resources:
    - name: buyers
      description: "Buyer records used to personalize Bread Pay options and pricing."
      apis: [bread-pay-platform]
      actions: [get]
    - name: transactions
      description: "BNPL transactions covering the create/authorize/cancel/settle/refund lifecycle."
      apis: [bread-pay-platform, bread-classic-merchant]
      actions: [create, get, authorize, cancel, settle, refund]
    - name: carts
      description: "Legacy Bread cart objects driving the in-browser checkout."
      apis: [bread-classic-merchant]
      actions: [create, get]
    - name: shipping
      description: "Carrier and tracking number attached to a transaction."
      apis: [bread-classic-merchant]
      actions: [add, get]
    - name: payment-options
      description: "Personalized payment options and pricing for a buyer."
      apis: [bread-pay-platform]
      actions: [list]

capability:
  workflows:
    - name: bnpl-checkout-and-settlement
      description: "End-to-end Bread Pay BNPL flow from cart to settled funds."
      steps:
        - get-buyer
        - list-payment-options
        - create-transaction
        - authorize-transaction
        - add-transaction-shipping
        - settle-transaction
    - name: refund-handling
      description: "Refund a previously settled Bread Pay transaction."
      steps:
        - get-transaction
        - refund-transaction
  personas:
    - merchant-developer
    - merchant-operations
    - retail-partner
    - bnpl-buyer

domains:
  - financial-services
  - bnpl
  - retail-finance
  - private-label-credit
  - cobrand-credit
  - consumer-banking
  - payments

former-domains:
  - data-driven-marketing
  - loyalty-programs
  - air-miles