alliance-data-systems

Alliance Data Systems was a provider of data-driven marketing, loyalty, and private-label credit card services to large consumer-based businesses across multiple industries. The company operated three primary segments: LoyaltyOne (coalition loyalty programs including AIR MILES in Canada), Epsilon (data- driven marketing and technology services), and Card Services (private label and co-brand credit card programs). Alliance Data managed over 135 card programs for retail brands including Victoria's Secret, J.Crew, Pottery Barn, Wayfair, and Williams Sonoma. In March 2022, Alliance Data rebranded as Bread Financial, focusing on digital-first payment solutions including private label credit cards, co-brand cards, and Bread buy-now-pay-later products. Alliance Data's Epsilon subsidiary was sold to Publicis Groupe in 2019. Bread Financial does not maintain a public developer API program but provides B2B integration services to retail card program partners.