aid: bread-financial
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread-financial.png
name: Bread Financial
description: >-
  Bread Financial (formerly Alliance Data Systems) is a US consumer financial
  services company providing branded and co-brand credit cards, private-label
  and general-purpose lending, and point-of-sale buy-now-pay-later financing
  under the Bread Pay brand. Its developer surface, Bread Pay, exposes a REST
  API platform for merchants to embed installment and revolving financing into
  online and in-store checkout: the next-generation BreadPay Platform API
  (api.platform.breadpayments.com) manages buyers, merchant accounts, payment
  options, pricing, and the transaction lifecycle (authorize, capture, cancel,
  refund), secured with OAuth 2.0 client-credentials and JWT access tokens; a
  legacy Bread Classic Merchant API manages checkout carts and transactions; and
  browser (JavaScript) plus native iOS and Android SDKs render placements,
  prequalification (RTPS), and the Bread checkout modal on merchant storefronts.
  Bread also ships e-commerce platform plugins (Shopify, Magento 2, BigCommerce,
  WooCommerce, Miva, Volusion, Salesforce Commerce Cloud) and a partner sandbox.
  This profile was surfaced as a portfolio company of Bessemer Venture Partners.
url: https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Payments
- Buy Now Pay Later
- Lending
- Consumer Finance
- Point of Sale
- Ecommerce
apis:
- name: BreadPay Platform API
  description: >-
    Next-generation Bread Pay REST API for managing buyers, merchant accounts,
    personalized payment options and pricing, and the merchant transaction
    lifecycle (authorize, capture, cancel, refund). Secured with OAuth 2.0
    client-credentials; access tokens are JWTs. Production and preview
    environments are available.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payments
  - Buy Now Pay Later
  - Transactions
  properties:
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.breadfinancial.com
- type: DeveloperPortal
  url: https://platform-docs.breadpayments.com/bread-developers/docs
- type: Documentation
  url: https://platform-docs.breadpayments.com/bread-developers/docs
- type: APIReference
  url: https://platform-docs.breadpayments.com/bread-developers/reference
- type: GettingStarted
  url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
- type: Support
  url: https://platform-docs.breadpayments.com/bread-onboarding/docs/support
- type: GitHubOrganization
  url: https://github.com/bppub
- type: PrivacyPolicy
  url: https://www.breadfinancial.com/en/privacy-policy.html
- type: Packages
  url: packages/bread-financial-packages.yml
- type: SDKs
  url: packages/bread-financial-packages.yml
- type: LLMsTxt
  url: llms/bread-financial-llms.txt
- type: Authentication
  url: authentication/bread-financial-authentication.yml
- type: Conventions
  url: conventions/bread-financial-conventions.yml
- type: Conformance
  url: conformance/bread-financial-conformance.yml
- type: Lifecycle
  url: lifecycle/bread-financial-lifecycle.yml
- type: Sandbox
  url: sandbox/bread-financial-sandbox.yml
- type: Components
  url: components/bread-financial-components.yml
- type: MCPServer
  url: mcp/bread-financial-mcp.yml
- type: Webhooks
  url: asyncapi/bread-financial-webhooks.yml
- type: WellKnown
  url: well-known/bread-financial-well-known.yml
- type: DomainSecurity
  url: security/bread-financial-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence