Alliance Data Systems (Bread Financial Holdings)

Alliance Data Systems Corporation (ADS) was a Plano/Columbus-based financial and marketing services holding company built in 1996 from the merger of J.C. Penney's credit card processing unit and The Limited's World Financial Network National Bank, taken public on the NYSE in 2001. The company historically operated three segments — Card Services (private label and co-brand retail credit cards), Epsilon (data-driven marketing and CRM), and LoyaltyOne (the AIR MILES Reward Program in Canada and BrandLoyalty in the Netherlands). In July 2019 ADS sold Epsilon to Publicis Groupe for $4.4 billion. In December 2020 ADS acquired Bread, a New York-based BNPL platform, for $450 million. In November 2021 ADS spun off LoyaltyOne as Loyalty Ventures Inc. (LTRN). On March 23, 2022 the remaining card-and-payments business rebranded as Bread Financial Holdings, Inc., with the common stock starting to trade on NYSE under the new ticker BFH on April 4, 2022. Today Bread Financial is a tech-forward financial services company headquartered in Columbus, Ohio (Wikipedia 2024 figures: $3.84B revenue, ~6,000 employees, $22.9B total assets, 135+ managed card programs across partners including Victoria's Secret, Wayfair, Williams-Sonoma, Academy Sports, HP, PlayStation, and the Crypto.com Visa Card). The developer surface lives under the Bread Pay BNPL brand at developer-facing properties docs.breadpayments.com (legacy "bread-classic" Merchant API) and platform-docs.breadpayments.com (next-generation "BreadPay Platform" APIs, OAuth 2.0 Client Credentials, hosted on https://api.platform.breadpayments.com/api), plus a JavaScript Bread SDK (preview + production CDN), iOS/Android mobile SDKs published as the Bread Financial Brand Partners SDKs on github.com/bppub, and platform integrations for Shopify, Magento 2, WooCommerce, BigCommerce, Salesforce Commerce Cloud, Miva, Volusion, and Turbify. The corporate/holding side (private-label and co-brand cards issued through Comenity Bank and Comenity Capital Bank, plus high-yield savings, CDs, IRAs, and personal loans) is delivered through B2B partner integrations rather than a public developer portal.

6 APIs 0 Features
Financial ServicesFintechBuy Now Pay LaterBNPLBread PayPrivate Label CreditCo Brand Credit CardsLoyalty ProgramsMarketingData Driven MarketingPaymentsLendingSavingsPersonal LoansConsumer BankingRetail FinanceFortune 500NYSE BFHComenity BankRebrand

APIs

Bread Pay Platform API

Next-generation BreadPay Platform REST API for managing buyers, merchant accounts, payment options, transaction lifecycle (authorize, cancel, capture, refund), and payment-produ...

Bread Classic Merchant API

Legacy "bread-classic" REST API for managing Bread checkout transactions, carts, shipping (carrier + tracking) and capture/refund/cancel actions from the original Bread BNPL pro...

Bread JavaScript SDK

Browser-side JavaScript SDK that exposes the BreadPayments object for rendering the Bread modal, embedded placements, prequalification, and cart/checkout flows on merchant sites...

Bread Financial Brand Partners iOS SDK

Official Bread Financial mobile SDK for iOS published as breadfinancial-brand-partners-ios on the bppub GitHub organization. Provides batch prescreen, unified prequalification, ...

Bread Financial Brand Partners Android SDK

Official Bread Financial mobile SDK for Android (Kotlin) published as breadfinancial-brand-partners-android on the bppub GitHub organization. Provides batch prescreen, unified p...

Bread Webhooks

Outbound webhook system for the BreadPay Platform that notifies merchant systems of transaction lifecycle events. Documented under the BreadPay developer site with setup, concep...

Collections

Pricing Plans

Rate Limits

Alliance Data Systems Rate Limits

1 limits

RATE LIMITS

FinOps

Semantic Vocabularies

Alliance Data Systems Context

35 classes · 15 properties

JSON-LD

API Governance Rules

Alliance Data Systems (Bread Financial Holdings) API Rules

3 rules · 1 errors 2 warnings

SPECTRAL

Alliance Data Systems (Bread Financial Holdings) API Rules

5 rules · 2 errors 3 warnings

SPECTRAL

JSON Structure

Bread Classic Cart Structure

6 properties

JSON STRUCTURE

Bread Pay Platform Address Structure

6 properties

JSON STRUCTURE

Bread Pay Platform Buyer Structure

7 properties

JSON STRUCTURE

Bread Pay Platform Transaction Structure

8 properties

JSON STRUCTURE

Example Payloads

Press

Bread to be Acquired by Alliance Data Systems for $450 ...

2026-05-25

Alliance Data Inks $450M Deal For FinTech Bread

2026-05-25

Alliance Data Completes Acquisition of Bread®

2026-05-25

Alliance Data becomes Bread, taking buy now/pay later ...

2026-05-25

Q2: Alliance Data Systems Bets On Conversant's Pipeline

2026-05-25

Resources

🔗
Website
Website
🔗
FormerWebsite
FormerWebsite
🔗
BNPLWebsite
BNPLWebsite
🔗
BusinessSolutions
BusinessSolutions
🔗
BuyNowPayLater
BuyNowPayLater
📰
Newsroom
Newsroom
🔗
InvestorRelations
InvestorRelations
🔗
SECRebrandFiling
SECRebrandFiling
🔗
WikipediaPage
WikipediaPage
🌐
DeveloperPortal
DeveloperPortal
🌐
ClassicDeveloperPortal
ClassicDeveloperPortal
🔗
OnboardingDocs
OnboardingDocs
👥
GitHubOrganization
GitHubOrganization
👥
IntegrationsGitHubOrganization
IntegrationsGitHubOrganization
👥
LegacyGitHubOrganization
LegacyGitHubOrganization
🔗
APITracker
APITracker
🔗
LinkedIn
LinkedIn
🔗
Plans
Plans
🔗
RateLimits
RateLimits
🔗
FinOps
FinOps
🔗
Vocabulary
Vocabulary
🔗
JSONLDContext
JSONLDContext

Sources

Raw ↑
opencollection: 1.0.0
info:
  name: Bread Pay Platform API
  version: '1.0'
request:
  auth:
    type: oauth2
    flow: client_credentials
    accessTokenUrl: https://auth.platform.breadpayments.com/auth/sso/token
    credentials:
      clientId: '{{clientId}}'
      clientSecret: '{{clientSecret}}'
items:
- info:
    name: Buyers
    type: folder
  items:
  - info:
      name: Bread Pay Get A Buyer
      type: http
    http:
      method: GET
      url: https://api.platform.breadpayments.com/api/buyer/:id
      params:
      - name: id
        value: ''
        type: path
    docs: Retrieve a buyer record by Bread buyer identifier.
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: Bread Pay Create A Transaction
      type: http
    http:
      method: POST
      url: https://api.platform.breadpayments.com/api/transaction
      body:
        type: json
        data: '{}'
    docs: Create a new Bread Pay transaction for an authorized buyer.
  - info:
      name: Bread Pay Get A Transaction
      type: http
    http:
      method: GET
      url: https://api.platform.breadpayments.com/api/transaction/:transactionID
      params:
      - name: transactionID
        value: ''
        type: path
    docs: Retrieve a single transaction by its unique transaction ID.
  - info:
      name: Bread Pay Authorize A Transaction
      type: http
    http:
      method: POST
      url: https://api.platform.breadpayments.com/api/transaction/:transactionID/authorize
      headers:
      - name: If-Match
        value: ''
      params:
      - name: transactionID
        value: ''
        type: path
      body:
        type: json
        data: '{}'
    docs: Authorize a single transaction based on its unique transaction ID, either for the full amount or a partial amount.
  - info:
      name: Bread Pay Cancel A Transaction
      type: http
    http:
      method: POST
      url: https://api.platform.breadpayments.com/api/transaction/:transactionID/cancel
      params:
      - name: transactionID
        value: ''
        type: path
    docs: Cancel an authorized but un-captured transaction.
  - info:
      name: Bread Pay Settle A Transaction
      type: http
    http:
      method: POST
      url: https://api.platform.breadpayments.com/api/transaction/:transactionID/settle
      params:
      - name: transactionID
        value: ''
        type: path
      body:
        type: json
        data: '{}'
    docs: Settle (capture) the funds for an authorized transaction.
  - info:
      name: Bread Pay Refund A Transaction
      type: http
    http:
      method: POST
      url: https://api.platform.breadpayments.com/api/transaction/:transactionID/refund
      params:
      - name: transactionID
        value: ''
        type: path
      body:
        type: json
        data: '{}'
    docs: Refund a previously settled transaction in full or in part.
- info:
    name: Payment Options
    type: folder
  items:
  - info:
      name: Bread Pay List Payment Options
      type: http
    http:
      method: GET
      url: https://api.platform.breadpayments.com/api/payment-options
    docs: List personalized Bread Pay payment options and pricing for the authenticated buyer context.
bundled: true