# Bread Financial Servicing API

**Canonical:** https://apis.io/apis/bread-financial/bread-financial-servicing-api/  
**Provider:** Bread Financial — https://apis.io/providers/bread-financial/  
**Base URL:** https://api.platform.breadpayments.com/api  
**Documentation:** https://platform-docs.breadpayments.com/bread-developers/docs

Bread Financial Servicing API is one of 27 APIs that [Bread Financial](https://apis.io/providers/bread-financial/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Servicing. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and authentication docs.

The Servicing API from Bread Financial — 48 operation(s) for servicing.

## Operations (53)

| Method | Path | Summary |
|---|---|---|
| GET | `/api/servicing/buyer/{buyerID}/autopay` | List Autopay Enrollments |
| GET | `/api/servicing/buyer/{buyerID}/payment-agreement` | List Buyer Payment Agreements |
| GET | `/api/servicing/occ` | List OCC requests |
| POST | `/api/servicing/occ/add-record` | Add OCC Record |
| GET | `/api/servicing/payment-agreement` | List Payment Agreement Summaries |
| PUT | `/api/servicing/payment-agreement-tag` | Update payment agreement tags |
| DELETE | `/api/servicing/payment-agreement-tag` | Delete payment agreement tags |
| GET | `/api/servicing/payment-agreement/buyer/{buyerID}/future/list` | List Scheduled Payment by Buyer ID |
| GET | `/api/servicing/payment-agreement/{id}` | Get Payment Agreement |
| DELETE | `/api/servicing/payment-agreement/{id}/autopay` | Unenroll from Autopay |
| POST | `/api/servicing/payment-agreement/{id}/autopay` | Enroll in Autopay |
| GET | `/api/servicing/payment-agreement/{id}/history` | Get Balance History |
| GET | `/api/servicing/payment-agreement/{id}/ledger-breakdown` | Get ledger activities for a loan |
| POST | `/api/servicing/payment-agreement/{id}/payment` | Make Payment |
| DELETE | `/api/servicing/payment-agreement/{id}/payment/{paymentID}/cancel-payment` | Cancel a payment |
| PATCH | `/api/servicing/payment-agreement/{id}/payment/{paymentID}/reallocate` | Reallocate Payment |
| POST | `/api/servicing/payment-agreement/{id}/payment/add-payment-record` | Add a payment record |
| PATCH | `/api/servicing/payment-agreement/{id}/payment/backdate-payment` | Backdate Payment |
| PATCH | `/api/servicing/occ/{occID}` | Update OCC request |
| PATCH | `/api/servicing/occ/{occID}/set-manual-review` | Set OCC to be manually reviewed |
| GET | `/api/servicing/payment-agreement-by-number/{agreementNumber}` | Get Payment Agreement By Number |
| POST | `/api/servicing/payment-agreement/payment/future/schedule` | Schedule Future Payment |
| GET | `/api/servicing/payment-agreement/{id}/disputes` | List disputes |
| POST | `/api/servicing/payment-agreement/{id}/disputes` | Open a dispute |
| GET | `/api/servicing/payment-agreement/{id}/disputes/is-eligible` | Check if eligible to open a dispute |
| PUT | `/api/servicing/payment-agreement/{id}/disputes/{disputeID}` | Closes a dispute |
| GET | `/api/servicing/payment-agreement/{id}/future/list` | List Scheduled Payments by Payment Agreement ID |
| POST | `/api/servicing/payment-agreement/{id}/waive-amount` | Waive an amount |
| POST | `/api/servicing/payment-agreement/{id}/waive-remaining` | Waive any remaining amount |
| POST | `/api/servicing/payment-agreement/{id}/waive-remaining-outstanding-balance` | Waive remaining outstanding balance |
| POST | `/api/servicing/payment-agreement/{id}/waive-amount-installment-due` | Waive installment due amount |
| POST | `/api/servicing/payment-agreement/{id}/waive-principal-amount` | Waive principal amount |
| POST | `/api/servicing/payment-agreement/{id}/modifications/rate` | Update Loan Interest Rate |
| POST | `/api/servicing/payment-agreement/{id}/esign-consent` | Update E-Sign Consent |
| POST | `/api/servicing/esign-consent-bulk` | Bulk Update E-Sign Consent |
| POST | `/api/servicing/update-mail-returned` | Update mail returned status on a payment-agreement |
| PUT | `/api/servicing/payment-agreement/{id}/update-amount` | Update the loan amount |
| DELETE | `/api/servicing/payment-agreement/{id}/cancel-payment-agreement` | Cancel a payment agreement |
| DELETE | `/api/servicing/payment-agreement/payment/{paymentID}/future/cancel-payment` | Cancel a future payment |
| POST | `/api/servicing/payment-agreement/payment/future/process-single-payment` | Process Single Scheduled Payment |
| POST | `/api/servicing/payment-agreement/payment/future/process` | Process Scheduled Payments |
| GET | `/api/servicing/calculated-payments` | Calculate payment for a set of agreements |
| POST | `/api/servicing/generate-payment-schedule` | Generate a payment schedule given a set of parameters |
| POST | `/api/servicing/disclosure/generate-document` | GenerateDocument requests a disclosure document to be generated for the… |
| GET | `/api/servicing/audit-action` | List audit actions for a payment agreement |
| POST | `/api/servicing/audit-action` | Add an audit action for a payment agreement |
| POST | `/api/servicing/payment-agreement/{id}/payment/refund-payment` | Refund Payment |
| GET | `/api/servicing/payment-agreement/{id}/allowed-payment-method-types` | Get Allowed Payment Method Types |
| POST | `/api/servicing/payment-agreement/{id}/skipped-late-fees` | Add skipped late fees |
| DELETE | `/api/servicing/payment-agreement/{id}/skipped-late-fees` | Delete skipped late fees |
| POST | `/api/servicing/payment-agreement/{id}/late-fee-hold-eligibility` | Check late fee hold eligibility |
| POST | `/api/servicing/payment-agreement/{id}/modifications/deferred-interest-period-end-date` | Update Deferred Interest Period End Date |
| GET | `/api/servicing/payment-agreement/{id}/deferred-interest-details` | Get deferred interest details for a loan |

## Machine-readable artifacts (5)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/openapi/bread-financial-servicing-api-openapi.yml
- **Documentation** — https://platform-docs.breadpayments.com/bread-developers
- **DeclineCodes** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/errors/bread-decline-codes.yml
- **Authentication** — https://platform-docs.breadpayments.com/bread-developers/docs/api-access
- **Webhooks** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/webhooks/bread-webhooks.yml

## Other Bread Financial APIs (12)

- [BreadPay Platform API](https://apis.io/apis/bread-financial/breadpay-platform-api/)
- [Bread Pay API](https://apis.io/apis/bread-financial/bread-pay-api/)
- [Bread SplitPay API](https://apis.io/apis/bread-financial/split-pay-api/)
- [Bread SplitPay](https://apis.io/apis/bread-financial/split-pay-api/)
- [Bread Financial Application API](https://apis.io/apis/bread-financial/bread-financial-application-api/)
- [Bread Financial As Low As API](https://apis.io/apis/bread-financial/bread-financial-as-low-as-api/)
- [Bread Financial Auth API](https://apis.io/apis/bread-financial/bread-financial-auth-api/)
- [Bread Financial Buyer API](https://apis.io/apis/bread-financial/bread-financial-buyer-api/)
- [Bread Financial Cart API](https://apis.io/apis/bread-financial/bread-financial-cart-api/)
- [Bread Financial Client Management API](https://apis.io/apis/bread-financial/bread-financial-client-management-api/)
- [Bread Financial Disclosure Templates API](https://apis.io/apis/bread-financial/bread-financial-disclosure-templates-api/)
- [Bread Financial Disclosures API](https://apis.io/apis/bread-financial/bread-financial-disclosures-api/)

## Tags

Servicing

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/bread-financial/bread-financial-servicing-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/bread-financial/.