Buy now, pay later

with

Small cart, big cart, we can help.

Bread Pay™ is an intuitive, omni-channel Buy Now, Pay Later lending platform from a financial partner you can count on.

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The Bread Pay difference

64%
higher AOV1
50%
increase in sales volume2
32%
of total sales3

Easy for business

robust data analytics
fully customizable digital suite
dedicated success team for every account 

Easy for shoppers

fast approvals with a simple application
quick & easy automatic payment enrollment
flexible financing options

The Buy Now, Pay Later suite

Online or in-store, our solutions meet you where you are.

Installments

A painless financing experience that allows your customers to get a decision in just a few seconds

Why Bread Financial:

  • A true white-label payment solution that keeps your brand front and center
  • Deeper in-house underwriting powered by the expertise of a bank

Bread Pay™ SplitPay

A fast and effective way to gain a competitive edge by targeting consumers who want short-term financing

Why Bread Financial:

  • We launch your project in six weeks or less.
  • Your customer makes four equal, interest-free payments over six weeks. You get paid upfront. We take on the risk.

Customize your strategy

Offer your customers the payment options they need by combining Buy Now, Pay Later solutions or adding a credit card product that works for your business.

Seamless integration

We work with all leading e-commerce platforms to make integration fast and painless.
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Success stories

Noémie
Innovated for increased AOV and monthly checkout volume.

Create Room
Developed a seamless, full-funnel experience to drive more sales.

Newton Baby
Met customer demand and more than doubled sales.
Go to all success stories

1Source for 64% higher Average Order Volume (AOV) is a single-merchant case study: Create Room and Bread Pay™ Enable More Crafters to Discover Their Creative Purpose, May 20, 2022. Results may vary by merchant and not all merchants will achieve these results.

 

2Source for 50% increase in financed sales volume is a single-merchant case study: AVADirect Overclocks Their Sales Volume with Bread, Oct. 8, 2020. Results may vary by merchant and not all merchants will achieve these results.

 

3Source for 32% of total sales contributed through Bread financing is a single-merchant case study: Going Direct-to-Consumer and Investing in Experience Helped Intense Get Their Brand in Gear, May 30, 2019. Results may vary by merchant and not all merchants will achieve these results.

 

Bread Pay™ is a product of Comenity Capital Bank, a Bread Financial company. © 2023 Bread Financial. Loans offered through Bread Pay™ are made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC. © 2015-2021 Lon Operations LLC All rights reserved.