Bread Financial

Bread Financial (formerly Alliance Data Systems) is a US consumer financial services company providing branded and co-brand credit cards, private-label and general-purpose lending, and point-of-sale buy-now-pay-later financing under the Bread Pay brand. Its developer surface, Bread Pay, exposes a REST API platform for merchants to embed installment and revolving financing into online and in-store checkout: the next-generation BreadPay Platform API (api.platform.breadpayments.com) manages buyers, merchant accounts, payment options, pricing, and the transaction lifecycle (authorize, capture, cancel, refund), secured with OAuth 2.0 client-credentials and JWT access tokens; a legacy Bread Classic Merchant API manages checkout carts and transactions; and browser (JavaScript) plus native iOS and Android SDKs render placements, prequalification (RTPS), and the Bread checkout modal on merchant storefronts. Bread also ships e-commerce platform plugins (Shopify, Magento 2, BigCommerce, WooCommerce, Miva, Volusion, Salesforce Commerce Cloud) and a partner sandbox. This profile was surfaced as a portfolio company of Bessemer Venture Partners.

Bread Financial publishes 23 APIs on the APIs.io network, including Application API, As Low As API, Auth API, and 20 more. Tagged areas include Company, Fintech, Payments, Buy Now Pay Later, and Lending.

The Bread Financial catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Bread Financial’s developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, and 30 more developer resources.

🌐 Visit website 📡 Source on GitHub

39.7/100 developing ▬ flat Agent 42/100 agent native library Full breakdown ↓
scored 2026-09-21 · rubric v0.22.0

AccessSelf serve

9 APIs

Company Fintech Payments Buy Now Pay Later Lending Consumer Finance Point-of-Sale E-Commerce

Kin Score

Kin Score How this is scored →
scored 2026-09-21 · rubric v0.22.0

Composite quality — 39.7/100 · developing

Contract Quality 12.3 / 19

Developer Ergonomics 7.7 / 15

Access Clarity 0.0 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.4 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 3.9 / 10

Agent readiness — 42/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/bread-financial: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 27

Individual APIs this provider publishes, each with its own machine-readable definition.

BreadPay Platform API

Next-generation Bread Pay REST API for managing buyers, merchant accounts, personalized payment options and pricing, and the merchant transaction lifecycle (authorize, capture, ...

Bread Pay API

The Bread Pay API enables merchants to integrate installment financing options into online and in-store checkout flows. Supports creating financing applications, retrieving loan...

Bread SplitPay API

SplitPay is a short-term financing alternative for retail merchants, enabling customers to split purchases into manageable payments and helping retailers attract price-sensitive...

Bread SplitPay

SplitPay is Bread's short-term, card-funded split-payment product for retail merchants. It is delivered through the same BreadPay Platform contracts and the same hosted SDK as i...

Bread Financial Application API

The Application API from Bread Financial — 5 operation(s) for application.

Bread Financial As Low As API

The As Low As API from Bread Financial — 2 operation(s) for as low as.

Bread Financial Auth API

Provides authentication support for BreadPayments platform

Bread Financial Buyer API

The Buyer API from Bread Financial — 9 operation(s) for buyer.

Bread Financial Cart API

The Cart API from Bread Financial — 4 operation(s) for cart.

Bread Financial Client Management API

The Client Management API from Bread Financial — 1 operation(s) for client management.

Bread Financial Disclosure Templates API

The Disclosure Templates API from Bread Financial — 1 operation(s) for disclosure templates.

Bread Financial Disclosures API

The Disclosures API from Bread Financial — 6 operation(s) for disclosures.

Bread Financial Events API

Event status retrieval and replay mechanism

Bread Financial Financing Dynamic Disclosure API

The Financing Dynamic Disclosure API from Bread Financial — 1 operation(s) for financing dynamic disclosure.

Bread Financial Financing Payment Plan API

The Financing Payment Plan API from Bread Financial — 1 operation(s) for financing payment plan.

Bread Financial Payment Agreement API

The Payment Agreement API from Bread Financial — 1 operation(s) for payment agreement.

Bread Financial Payment Methods API

The Payment Methods API from Bread Financial — 8 operation(s) for payment methods.

Bread Financial Payment Product Enrollments API

The PaymentProductEnrollments API from Bread Financial — 1 operation(s) for paymentproductenrollments.

Bread Financial Payments API

The Payments API from Bread Financial — 8 operation(s) for payments.

Bread Financial Refunds API

The Refunds API from Bread Financial — 3 operation(s) for refunds.

Bread Financial Reporting API

The Reporting API from Bread Financial — 7 operation(s) for reporting.

Bread Financial Service Account API

The Service Account API from Bread Financial — 1 operation(s) for service account.

Bread Financial Servicing API

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

Bread Financial Subscription Management API

Managing webhook subscriptions

Bread Financial Tradein API

The Tradein API from Bread Financial — 5 operation(s) for tradein.

Bread Financial Transaction API

The Transaction API from Bread Financial — 15 operation(s) for transaction.

Bread Financial Virtual Card API

The Virtual Card API from Bread Financial — 12 operation(s) for virtual card.

Scroll for all 27

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Bread Financial Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Bread Financial Authentication

oauth2/http/apiKey · 3 schemes

SECURITY

Bread Financial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 7

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

AgentSkill

AgentSkill

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

WellKnown

WellKnown

Scroll for all 7

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

Components

Webhooks

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 9

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Scroll for all 9

Source (apis.yml)

aid: bread-financial
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread-financial.png
name: Bread Financial
description: 'Bread Financial (formerly Alliance Data Systems) is a US consumer financial services company providing branded
  and co-brand credit cards, private-label and general-purpose lending, and point-of-sale buy-now-pay-later financing under
  the Bread Pay brand. Its developer surface, Bread Pay, exposes a REST API platform for merchants to embed installment and
  revolving financing into online and in-store checkout: the next-generation BreadPay Platform API (api.platform.breadpayments.com)
  manages buyers, merchant accounts, payment options, pricing, and the transaction lifecycle (authorize, capture, cancel,
  refund), secured with OAuth 2.0 client-credentials and JWT access tokens; a legacy Bread Classic Merchant API manages checkout
  carts and transactions; and browser (JavaScript) plus native iOS and Android SDKs render placements, prequalification (RTPS),
  and the Bread checkout modal on merchant storefronts. Bread also ships e-commerce platform plugins (Shopify, Magento 2,
  BigCommerce, WooCommerce, Miva, Volusion, Salesforce Commerce Cloud) and a partner sandbox. This profile was surfaced as
  a portfolio company of Bessemer Venture Partners.'
url: https://raw.githubusercontent.com/api-evangelist/bread-financial/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Payments
- Buy Now Pay Later
- Lending
- Consumer Finance
- Point-of-Sale
- E-Commerce
tags_raw:
- Company
- Fintech
- Payments
- Buy Now Pay Later
- Lending
- Consumer Finance
- Point of Sale
- Ecommerce
apis:
- name: BreadPay Platform API
  description: Next-generation Bread Pay REST API for managing buyers, merchant accounts, personalized payment options and
    pricing, and the merchant transaction lifecycle (authorize, capture, cancel, refund). Secured with OAuth 2.0 client-credentials;
    access tokens are JWTs. Production and preview environments are available.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payments
  - Buy Now Pay Later
  - Transaction
  tags_raw:
  - Payments
  - Buy Now Pay Later
  - Transactions
  properties:
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
- aid: bread-financial:bread-pay-api
  name: Bread Pay API
  tags:
  - Installment Financing
  - Checkout
  - Payments
  - Buy Now Pay Later
  tags_raw:
  - Installment Financing
  - Checkout
  - Payments
  - BNPL
  humanURL: https://developers.breadfinancial.com/
  properties:
  - url: https://developers.breadfinancial.com/
    type: Documentation
  description: The Bread Pay API enables merchants to integrate installment financing options into online and in-store checkout
    flows. Supports creating financing applications, retrieving loan statuses, managing transactions, and handling merchant-side
    operations for buy now pay later programs.
- aid: bread-financial:split-pay-api
  name: Bread SplitPay API
  tags:
  - Short-Term Financing
  - Split Payments
  - Retail
  humanURL: https://developers.breadfinancial.com/
  properties:
  - url: https://developers.breadfinancial.com/
    type: Documentation
  description: SplitPay is a short-term financing alternative for retail merchants, enabling customers to split purchases
    into manageable payments and helping retailers attract price-sensitive customers while increasing average transaction
    values.
- aid: bread-financial:split-pay-api
  name: Bread SplitPay
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Short-Term Financing
  - Split Payments
  - Retail
  humanURL: https://platform-docs.breadpayments.com/bread-onboarding/docs/integration-testing
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: https://platform-docs.breadpayments.com/bread-onboarding
    type: Documentation
  description: SplitPay is Bread's short-term, card-funded split-payment product for retail merchants. It is delivered through
    the same BreadPay Platform contracts and the same hosted SDK as installment financing rather than through a separate API
    surface — Bread publishes SplitPay-specific integration and test guidance (test card 4000000000000002) but no SplitPay-only
    OpenAPI.
- aid: bread-financial:bread-financial-application-api
  name: Bread Financial Application API
  description: The Application API from Bread Financial — 5 operation(s) for application.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Application
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-application-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-as-low-as-api
  name: Bread Financial As Low As API
  description: The As Low As API from Bread Financial — 2 operation(s) for as low as.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - As Low As
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-as-low-as-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-auth-api
  name: Bread Financial Auth API
  description: Provides authentication support for BreadPayments platform
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-auth-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-buyer-api
  name: Bread Financial Buyer API
  description: The Buyer API from Bread Financial — 9 operation(s) for buyer.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Buyer
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-buyer-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-cart-api
  name: Bread Financial Cart API
  description: The Cart API from Bread Financial — 4 operation(s) for cart.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Cart
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-cart-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-client-management-api
  name: Bread Financial Client Management API
  description: The Client Management API from Bread Financial — 1 operation(s) for client management.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Client Management
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-client-management-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-disclosure-templates-api
  name: Bread Financial Disclosure Templates API
  description: The Disclosure Templates API from Bread Financial — 1 operation(s) for disclosure templates.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Disclosure Templates
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-disclosure-templates-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-disclosures-api
  name: Bread Financial Disclosures API
  description: The Disclosures API from Bread Financial — 6 operation(s) for disclosures.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Disclosures
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-disclosures-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-events-api
  name: Bread Financial Events API
  description: Event status retrieval and replay mechanism
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-events-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-financing-dynamic-disclosure-api
  name: Bread Financial Financing Dynamic Disclosure API
  description: The Financing Dynamic Disclosure API from Bread Financial — 1 operation(s) for financing dynamic disclosure.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Financing Dynamic Disclosure
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-financing-dynamic-disclosure-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-financing-payment-plan-api
  name: Bread Financial Financing Payment Plan API
  description: The Financing Payment Plan API from Bread Financial — 1 operation(s) for financing payment plan.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Financing Payment Plan
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-financing-payment-plan-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-payment-agreement-api
  name: Bread Financial Payment Agreement API
  description: The Payment Agreement API from Bread Financial — 1 operation(s) for payment agreement.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payment Agreement
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-payment-agreement-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-payment-methods-api
  name: Bread Financial Payment Methods API
  description: The Payment Methods API from Bread Financial — 8 operation(s) for payment methods.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-payment-methods-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-paymentproductenrollments-api
  name: Bread Financial Payment Product Enrollments API
  description: The PaymentProductEnrollments API from Bread Financial — 1 operation(s) for paymentproductenrollments.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - PaymentProductEnrollments
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-paymentproductenrollments-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-payments-api
  name: Bread Financial Payments API
  description: The Payments API from Bread Financial — 8 operation(s) for payments.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-payments-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-refunds-api
  name: Bread Financial Refunds API
  description: The Refunds API from Bread Financial — 3 operation(s) for refunds.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-refunds-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-reporting-api
  name: Bread Financial Reporting API
  description: The Reporting API from Bread Financial — 7 operation(s) for reporting.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-reporting-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-service-account-api
  name: Bread Financial Service Account API
  description: The Service Account API from Bread Financial — 1 operation(s) for service account.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - ServiceAccount
  tags_raw:
  - Service Account
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-service-account-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-servicing-api
  name: Bread Financial Servicing API
  description: The Servicing API from Bread Financial — 48 operation(s) for servicing.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Servicing
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-servicing-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-subscription-management-api
  name: Bread Financial Subscription Management API
  description: Managing webhook subscriptions
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Subscription Management
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-subscription-management-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-tradein-api
  name: Bread Financial Tradein API
  description: The Tradein API from Bread Financial — 5 operation(s) for tradein.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Trade-In
  tags_raw:
  - Tradein
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-tradein-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-transaction-api
  name: Bread Financial Transaction API
  description: The Transaction API from Bread Financial — 15 operation(s) for transaction.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-transaction-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
- aid: bread-financial:bread-financial-virtual-card-api
  name: Bread Financial Virtual Card API
  description: The Virtual Card API from Bread Financial — 12 operation(s) for virtual card.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Virtual Card
  properties:
  - type: OpenAPI
    url: openapi/bread-financial-virtual-card-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: DeclineCodes
    url: errors/bread-decline-codes.yml
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: Webhooks
    url: webhooks/bread-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/bread-checkout-overlay.yaml
- type: Overlay
  url: overlays/bread-merchant-operations-overlay.yaml
- type: AgentSkill
  url: skills/bread-authorize-and-settle-a-transaction.md
- type: AgentSkill
  url: skills/bread-refund-or-cancel-a-transaction.md
- type: Overlay
  url: overlays/bread-servicing-overlay.yaml
- type: AgentSkill
  url: skills/bread-take-a-payment-on-a-payment-agreement.md
- type: Overlay
  url: overlays/bread-buyer-management-overlay.yaml
- type: Overlay
  url: overlays/bread-payments-overlay.yaml
- type: Overlay
  url: overlays/bread-foundations-overlay.yaml
- type: Overlay
  url: overlays/bread-webhook-overlay.yaml
- type: AgentSkill
  url: skills/bread-subscribe-to-webhooks.md
- type: Overlay
  url: overlays/bread-program-overlay.yaml
- type: Overlay
  url: overlays/bread-tradein-overlay.yaml
- type: Website
  url: https://www.breadfinancial.com
- type: DeveloperPortal
  url: https://platform-docs.breadpayments.com/bread-developers/docs
- type: Documentation
  url: https://platform-docs.breadpayments.com/bread-developers/docs
- type: APIReference
  url: https://platform-docs.breadpayments.com/bread-developers/reference
- type: GettingStarted
  url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
- type: Support
  url: https://platform-docs.breadpayments.com/bread-onboarding/docs/support
- type: GitHubOrganization
  url: https://github.com/bppub
- type: PrivacyPolicy
  url: https://www.breadfinancial.com/en/privacy-policy.html
- type: Packages
  url: packages/bread-financial-packages.yml
- type: SDKs
  url: packages/bread-financial-packages.yml
- type: LLMsTxt
  url: llms/bread-financial-llms.txt
- type: Authentication
  url: authentication/bread-financial-authentication.yml
- type: Conventions
  url: conventions/bread-financial-conventions.yml
- type: Conformance
  url: conformance/bread-financial-conformance.yml
- type: Lifecycle
  url: lifecycle/bread-financial-lifecycle.yml
- type: Sandbox
  url: sandbox/bread-financial-sandbox.yml
- type: Components
  url: components/bread-financial-components.yml
- type: X-MCPServerCandidate
  url: mcp/bread-financial-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Webhooks
  url: asyncapi/bread-financial-webhooks.yml
- type: WellKnown
  url: well-known/bread-financial-well-known.yml
- type: DomainSecurity
  url: security/bread-financial-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/getbread
- type: Documentation
  url: https://developers.breadfinancial.com/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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