# BreadPay Merchant Operations API

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

BreadPay Merchant Operations API is one of 13 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 Transactions, Settlement, Refunds, Reporting, and Carts. The published artifact set on APIs.io includes an OpenAPI specification.

The merchant-facing transaction lifecycle — authorize, settle, refund, cancel, rescind, extend expiration — plus carts, fulfillment detail, and settlement/funding/targeting reporting exports. Transaction state changes are guarded by an ETag/If-Match revision check that answers 412 on a mismatch. 32 operations.

## Operations (32)

| Method | Path | Summary |
|---|---|---|
| GET | `/api/transaction/application/{applicationID}` | Get Transaction by Application ID |
| GET | `/api/transaction` | List Transactions |
| GET | `/api/transaction/search` | Search Transactions |
| POST | `/api/transaction/search` | Search Transactions By Keyword |
| GET | `/api/transaction/{transactionID}` | Get Transaction by Transaction ID |
| PATCH | `/api/transaction/{transactionID}` | Update Transaction |
| POST | `/api/transaction/{transactionID}/extend-expiration` | Extend Expiration |
| POST | `/api/transaction/{transactionID}/rescind` | Rescind Transaction |
| GET | `/api/transaction/{transactionID}/history` | Get Transaction History |
| GET | `/api/transaction/{transactionID}/fulfillment` | Get Transaction Fulfillment Details |
| POST | `/api/transaction/{transactionID}/fulfillment` | Add Transaction Fulfillment Detail |
| POST | `/api/transaction/{transactionID}/authorize` | Authorize Transaction |
| POST | `/api/transaction/{transactionID}/cancel` | Cancel Transaction |
| POST | `/api/transaction/{transactionID}/refund` | Refund Transaction |
| POST | `/api/transaction/{transactionID}/settle` | Settle Transaction |
| GET | `/api/transaction/kpi` | Transaction KPIs |
| GET | `/api/transaction/aggregation` | Transaction Aggregation |
| GET | `/api/cart` | List carts |
| POST | `/api/cart` | Create a Cart |
| GET | `/api/cart/{id}` | Get Cart |
| PATCH | `/api/cart/{id}` | Update Cart information |
| DELETE | `/api/cart/{id}` | Delete Cart |
| POST | `/api/cart/{id}/expire` | Expire Cart |
| POST | `/api/cart/{id}/notify` | Notify Buyer |
| GET | `/api/reporting/report/loan-history` | Get Loan History Report By Name |
| GET | `/api/reporting/report/data-insight` | Get Data Insight Report By Name |
| GET | `/api/reporting/report/transaction` | List Transactions CSV |
| GET | `/api/reporting/report/funding-aggregate-summary` | List funding aggregate balance data |
| GET | `/api/reporting/report/targeting-export` | List targeting export CSV |
| GET | `/api/reporting/report/settlement-report` | List settlement report CSV |
| GET | `/api/reporting/report/settlement-report-legacy` | Get legacy settlement report |
| GET | `/api/reporting/report/funding-daily-summary` | List funding daily balance data |

## Machine-readable artifacts (4)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/openapi/bread-merchant-operations-openapi.json
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/overlays/bread-merchant-operations-overlay.yaml
- **AgentSkill** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/skills/bread-authorize-and-settle-a-transaction.md
- **AgentSkill** — https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/skills/bread-refund-or-cancel-a-transaction.md

## 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/)
- [BreadPay Checkout API](https://apis.io/apis/bread-financial/bread-pay-api/)
- [Bread SplitPay](https://apis.io/apis/bread-financial/split-pay-api/)
- [BreadPay Servicing API](https://apis.io/apis/bread-financial/servicing-api/)
- [BreadPay Buyer Management API](https://apis.io/apis/bread-financial/buyer-management-api/)
- [BreadPay Payments API](https://apis.io/apis/bread-financial/payments-api/)
- [BreadPay Foundations API](https://apis.io/apis/bread-financial/foundations-api/)
- [BreadPay Webhook API](https://apis.io/apis/bread-financial/webhook-api/)
- [BreadPay Program API](https://apis.io/apis/bread-financial/program-api/)
- [BreadPay Tradein API](https://apis.io/apis/bread-financial/tradein-api/)

## Tags

Transactions, Settlement, Refunds, Reporting, Carts

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