Alliance Data Systems (Bread Financial Holdings)

Alliance Data Systems (Bread Financial Holdings) Payment Options API

Retrieve buyer-personalized payment option pricing and terms.

Documentation GitHub OpenAPI

Operations 1

GET /payment-options Bread Pay List Payment Options #

Work with this as data

Every API here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for apis

7 MCP tools reach this

find_apisBrowse and filter every API in the catalog.
get_api_artifactsOne API's artifacts, grouped by type.
get_openapiThe primary OpenAPI for this API.
find_similar_apisAPIs that look like this one.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This API

curl "https://apis.io/api/v1/apis/alliance-data-systems-payment-options-api"

All apis

curl "https://apis.io/api/v1/apis?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.

OpenAPI Specification

openapi: 3.2.0
info:
  title: Bread Pay Platform Payment Options API
  description: BreadPay Platform API for managing buyers, merchant accounts, payment options, and the full transaction lifecycle (create, authorize, cancel, capture, refund). Authentication uses OAuth 2.0 Client Credentials Flow with credentials issued from the Bread Merchant Portal. Hosted by Bread Financial Holdings (NYSE&#58; BFH) under the Bread Pay brand. The rebranded successor to Alliance Data Systems' BNPL surface.
  version: '1.0'
  contact:
    name: Bread Financial Developer Support
    url: https://platform-docs.breadpayments.com/bread-developers
  termsOfService: https://www.breadfinancial.com/en/terms-of-use.html
servers:
- url: https://api.platform.breadpayments.com/api
  description: Production
- url: https://api-preview.platform.breadpayments.com/api
  description: Preview / Sandbox
security:
- oauth2ClientCredentials: []
tags:
- name: Payment Options
  description: Retrieve buyer-personalized payment option pricing and terms.
paths:
  /payment-options:
    get:
      operationId: listPaymentOptions
      summary: Bread Pay List Payment Options
      description: List personalized Bread Pay payment options and pricing for the authenticated buyer context.
      tags:
      - Payment Options
      responses:
        '200':
          description: Payment options returned
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/PaymentOption'
        '401':
          description: Unauthorized
components:
  schemas:
    Amount:
      type: object
      required:
      - value
      - currency
      properties:
        value:
          type: integer
          description: Amount in minor units (e.g. cents).
        currency:
          type: string
          example: USD
    PaymentOption:
      type: object
      properties:
        id:
          type: string
        productType:
          type: string
          enum:
          - SPLIT_PAY
          - INSTALLMENTS
          - CARD
        termMonths:
          type: integer
        apr:
          type: number
        monthlyPayment:
          $ref: '#/components/schemas/Amount'
  securitySchemes:
    oauth2ClientCredentials:
      type: oauth2
      description: OAuth 2.0 Client Credentials flow using API + Secret keys issued from the Bread Merchant Portal.
      flows:
        clientCredentials:
          tokenUrl: https://auth.platform.breadpayments.com/auth/sso/token
          scopes:
            transactions:read: Read transactions
            transactions:write: Create, authorize, settle, refund transactions
            buyers:read: Read buyer records
externalDocs:
  description: Bread Pay Platform API Reference
  url: https://platform-docs.breadpayments.com/bread-developers/reference