Alliance Data Systems Plans Pricing
Bread Financial (formerly Alliance Data Systems) does not publish a self-serve developer pricing page for the Bread Pay BNPL API. The commercial relationship is a B2B contract negotiated with merchants and retail partners — merchant discount rate, integration fees, and consumer financing economics (APR, installment terms) are all set per-contract by the Bread Merchant Relationships team. Bread Pay consumer plans on the buyer side include SplitPay (typically 4 interest-free payments) and longer-term Installments (3–48 months, APRs vary), surfaced dynamically via the Payment Options API.
Alliance Data Systems Plans Pricing is the machine-readable pricing-plan profile for Alliance Data Systems (Bread Financial Holdings) on the APIs.io network, conforming to the API Commons Plans specification.
It defines 3 plans, covering enterprise and consumer tiers, with named plans including Bread Pay Merchant (Contract), Bread Pay SplitPay (Consumer), Bread Pay Installments (Consumer).
Tagged areas include Financial Services, Fintech, Buy Now Pay Later, BNPL, and Bread Pay.
Plans
Per-contract merchant pricing for Bread Pay BNPL integration. Merchant discount rate (MDR), integration setup fees, and revenue share are negotiated directly with Bread Financial.
- Pending Reconciliation
Short-term interest-free pay-in-N option offered to consumers at checkout.
- Consumer SKU
Longer-term installment loans (3–48 months) with APR set by underwriting.
- Consumer SKU
Sources
- https://www.breadfinancial.com/en/business-solutions/buy-now-pay-later.html
- https://www.breadpayments.com/
- https://platform-docs.breadpayments.com/bread-developers
- https://docs.breadpayments.com/bread-classic/reference
Work with this as data
Every plan here is available over the APIs.io API and to AI agents over MCP.