General Questions

We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.

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Please contact the credit bureau(s) where you requested a credit freeze to request they lift the freeze. Once lifted, you can return to complete your Bread Pay™ application.

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You can use any digital camera or phone that has a camera to take a photo of your US Driver’s License or US State ID. After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure the entire document is visible and that everything is in focus.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

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About Bread

With Bread, you are paid upfront in full, minus a merchant discount fee, within three (3) business days of requesting settlement. We assume the credit risk.

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Bread partners with leading brands of varying sizes across industries—from home goods and furniture to electronics and healthcare products. Our flexible platform and robust suite of APIs allow merchants to integrate pay-over-time plans anywhere in their customers’ shopping journey. Together, Bread & ADS can provide a platform that marries the data-driven loyalty benefits from private-label and co-branded card programs with Bread’s price transformation capabilities.

Contact a member of our team to see how Bread can help your business.

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Yes, with Bread you can customize the placement, aesthetics, and branding of pay-over-time plans across your site, including the application experience.

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The Bread Platform makes it fast and easy for merchants to offer personalized payment experiences. Bread transforms how shoppers think about price and drives customer loyalty across the entire shopping journey. Integrate once and you’ll get access to a full suite of flexible payment options, applications, and tools designed to help capture more revenue and drive long-term customer relationships.

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Bread supports many of the leading ecommerce platforms, including Magento, Shopify, WooCommerce, and more. We also have a flexible API to support custom builds for our retail partners.  Learn more about our integrations here.

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Bread was launched in 2014 and was acquired by Alliance Data in late 2020. We are based in New York and have an office in Tampa to provide best in class payment solutions.

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You can apply at participating retailers using your mobile phone. Click on the Bread Pay™ financing button to check your eligibility in seconds.

If you are eligible, you will be presented with sample payment plan options available to you. Simply select a payment plan you would like and once you are done shopping, proceed to the register to complete your purchase and check out with Bread Pay.

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You can apply online at participating retailers.

Step 1 Shop Online

Add items to your cart and provide a few pieces of information to begin the checkout process.

Step 2 Select Pay-Over-Time at Checkout

Step 3 Enter a few pieces of information and get a decision quickly without affecting your credit score. Confirm your Bread Pay™ payment plan.

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Safeguarding your information is of the utmost importance to us. We are committed to keeping your personal information secure. Data is encrypted in transit and at rest.

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Installments

U.S. residents at least 18 years-old (or at least 19 for Alabama or Nebraska residents) are eligible, provided their creditworthiness and identity can be verified. To buy with Bread Financial™, you must also have a valid mobile number and email address. Please note that our products are not available in US Territories. For merchants launching with Comenity Capital Bank, no states will be excluded. For those with the Cross River Bank program, Bread Pay Installment Loans™ are currently not available in Idaho, Iowa, and West Virginia.

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Bread pay-over-time plans made by our partner bank include both 0% APR and APR-positive programs, along with a variety of terms based on your needs. Please reach out to discuss the optimal program for you and your shoppers.

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We work hard to deliver a professional, friendly, and dignified experience, which is why Bread in-house representatives will provide customer service related to Bread financing for your shoppers.

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If a customer returns part or all of their order, you can process a partial or full refund after a transaction has been settled via your order management system or by logging into Bread’s merchant portal. Refunds must be applied toward the loan balance and not any other payment method or made in cash.

If a customer contacts Bread’s support team with a complaint regarding the order, and we find there is sufficient evidence you are acting outside of your existing shipping, cancellation, or return policy, our team will send you a formal inquiry.

Merchants are given an allotted period of time to provide a response. If we do not receive a response or Bread rules in favor of the customer, a chargeback will be issued in the amount disputed.

To review our current dispute policy, please refer to information provided on our merchant portal.

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Unfortunately, not all who apply for financing may receive credit terms. If a shopper is declined, they will receive a message requesting they choose a different form of payment. Additionally, they won’t be eligible to apply for financing with Bread for the next 90 days.

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When your shoppers use the Bread product, they are taking out a loan from Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.

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Unfortunately, not all who apply for financing will receive credit terms. If you are declined, you will receive a notice within 30 days at the email address on file with your financing application that outlines the reason(s) for your denial. Additionally, you won’t be eligible to apply for financing with Bread Pay™ for the next 90 days.

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Each payment plan is a separate loan and cannot be consolidated.

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Protecting the security and integrity of your credit application is important to us. Sometimes we need additional information to verify your identity. In these cases, we ask for photos of the front and back of an identity document — either your US Driver’s License or US state ID — to verify that you are who you say you are. This helps to protect your application from fraud and helps to comply with regulatory requirements.

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SplitPay

SplitPay is a payment option that enables you to pay for your purchase with four equal interest free payments using a credit card or debit card.

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Typically the value of your purchase must be between $50-$1,000 however the amount may vary by retailer. Visit a participating retailer, choose Bread Pay SplitPay™, and proceed with checking your eligibility

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Yes, the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.

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When you check out with Bread Pay SplitPay™, a temporary authorization hold will be placed on your debit or credit card for the second payment. This hold will be voided immediately but depending on your financial institution it may remain for up to 7 days. If you have any questions about this authorization, please contact your financial institution.

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We will retry charging your payment method 1 day later for the original amount. If this initial retry fails, we will add the original payment amount to your next scheduled payment. We will continue to retry your payment method until the last payment.

If your payments continue to fail, and your Bread Pay SplitPay™ account charges off, you will no longer be eligible for Bread Pay SplitPay. We reserve the right to report to credit bureaus in the future.

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Unfortunately, no. The dates your payments are due are predetermined from the date that you check out

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For Bread Pay SplitPay™, payments will be due every two weeks from the date of checkout.

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After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay SplitPay™ purchase.

For partial refunds, we will deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

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After the retailer processes your return, a partial refund will be issued to your transaction and your Bread Pay SplitPay™ balance will adjust accordingly. Any remaining installments will be adjusted (starting with your last installment and moving backward).

For example, if you made a purchase of $1000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

Any payment refunds will be credited back to your original payment method.

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To check on the status of your order, please reach out to the retailer directly.

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We are unable to change or add to an order that has already been placed. To place a second updated order, please contact the retailer directly and request an order cancellation or return.

Once the retailer receives and processes your cancellation or return, a partial or full refund will be automatically applied to your Bread Pay Installment Loan™. Your account status and balance will be adjusted accordingly

You may still have an outstanding balance after a cancellation has been processed. This balance could consist of restocking fees, return shipping fees, accrued interest, or some combination of these. Please check the retailer’s refund and returns policy to determine if these fees apply to your purchase and return.

If a partial cancellation or return is issued, your account balance will be adjusted to reflect your new remaining balance. If a cancellation or refund is issued in full, any payments made on your Bread Pay Installment Loan will be returned to you less any applicable accrued interest, restocking fees, or return shipping fees.

Any cancellations or refunds issued in excess of your current account balance will result in a customer credit. This credit will be returned to the account used to make payments towards your Bread Pay Installment Loan

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Returns and Cancellations

Once the retailer receives and processes your order cancellation or order return, a partial or full order refund is automatically applied to your Bread Pay™ account. Your account status and balance are adjusted accordingly.

If a partial order cancellation or order return is issued, your account balance will be adjusted to reflect your new remaining balance. If an order cancellation or order refund is issued in full, any payments made on your Bread Pay account will be returned to you less the accrued interest, return shipping fees, and restocking fees. Any order cancellations or order refunds issued in excess of your current Bread Pay account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order cancellation or refund is processed to appear on your account.

If your requested order cancellation or order return is not reflected on your account, please contact the retailer directly to check on the status of your order request.

If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Please note that if we open an order dispute with the retailer, that order dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for Bread Pay SplitPay™, or within 120 days of your checkout with a Bread Pay Installment Loan™.

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If your requested order cancellation or order refund is not reflected on your Bread Pay ™ account, please contact the retailer directly to check on the status of your request.

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Disputes and Refunds

Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your order items. If the retailer is unresponsive to your query, or acts outside of their listed return or cancellation policy, please contact our Member Support team. Depending on the retailer you purchased from, Bread Financial™ may or may not be able to raise an order dispute on your behalf with the retailer. If we are able to open a formal order dispute, we require the following to initiate your order dispute:

1. Evidence of your correspondence with the retailer that you attempted to resolve the order dispute
2. The amount being disputed
3. A description of the nature of the order dispute, including the items disputed
4. If the order dispute is due to incorrect or damaged products, we also require picture evidence of this
If we open an order dispute with the retailer, that order dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for Bread Pay SplitPay™, or within 120 days of your loan origination.

You are required to make payments on your Bread Pay™ account until the retailer resolves your query or our team resolves an order dispute in your favor.

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If a partial refund is issued to your order, the refund will be applied to the outstanding balance on your Bread Pay™ account. Your account payments will not change; however the number of payments to pay off your Bread Pay account may be shortened and the total interest paid may decrease.

Any order refunds issued in excess of your current account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order refund is processed to appear on your account.

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If a refund is issued in full for your order, any payments made on your Bread Pay™ account will be returned to you less any accrued interest, return shipping fees, or restocking fees.

Any order cancellations or order refunds issued in excess of your current Bread Pay account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order cancellation or order refund is processed to appear on your account.

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