Alliance Data Systems (Bread Financial Holdings)

aid: alliance-data-systems
name: Alliance Data Systems (Bread Financial Holdings)
url: https://raw.githubusercontent.com/api-evangelist/alliance-data-systems/refs/heads/main/apis.yml
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/alliance-data-systems.png
created: '2026-04-19'
modified: '2026-05-23'
specificationVersion: '0.19'
kind: company
description: 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.
tags:
- Financial Services
- Fintech
- Buy Now Pay Later
- BNPL
- Bread Pay
- Private Label Credit
- Co Brand Credit Cards
- Loyalty Programs
- Marketing
- Data Driven Marketing
- Payments
- Lending
- Savings
- Personal Loans
- Consumer Banking
- Retail Finance
- Fortune 500
- NYSE BFH
- Comenity Bank
- Rebrand
apis:
- name: Bread JavaScript SDK
  description: Browser-side JavaScript SDK that exposes the BreadPayments object for rendering the Bread modal, embedded placements,
    prequalification, and cart/checkout flows on merchant sites. Loaded from Bread CDNs in preview and production environments
    and initialized with a merchant integrationKey plus buyer object.
  humanURL: https://platform-docs.breadpayments.com/bread-onboarding/docs/bread-sdk-installation
  baseURL: https://connect.breadpayments.com
  tags:
  - SDK
  - JavaScript
  - Web
  - Checkout
  - Placements
  - Prequalification
  properties:
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-onboarding/docs/bread-sdk-installation
  - type: PreviewCDN
    url: https://connect-preview.breadpayments.com/sdk.js
  - type: ProductionCDN
    url: https://connect.breadpayments.com/sdk.js
  - type: UnifiedSDKOverview
    url: https://platform-docs.breadpayments.com/bread-onboarding/docs/unified-sdk-overview
- name: Bread Financial Brand Partners iOS SDK
  description: Official Bread Financial mobile SDK for iOS published as breadfinancial-brand-partners-ios on the bppub GitHub
    organization. Provides batch prescreen, unified prequalification, placement rendering, application callbacks, and customer
    status events for native iOS apps.
  humanURL: https://github.com/bppub/breadfinancial-brand-partners-ios
  baseURL: https://github.com/bppub
  tags:
  - SDK
  - Mobile
  - iOS
  - Swift
  - Prequalification
  - Placements
  properties:
  - type: Repository
    url: https://github.com/bppub/breadfinancial-brand-partners-ios
  - type: AlternateSwiftRepo
    url: https://github.com/bppub/breadfinancial-brand-partners-ios-swift
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-onboarding
- name: Bread Financial Brand Partners Android SDK
  description: Official Bread Financial mobile SDK for Android (Kotlin) published as breadfinancial-brand-partners-android
    on the bppub GitHub organization. Provides batch prescreen, unified prequalification, placement rendering, application
    callbacks, and customer status events for native Android apps.
  humanURL: https://github.com/bppub/breadfinancial-brand-partners-android
  baseURL: https://github.com/bppub
  tags:
  - SDK
  - Mobile
  - Android
  - Kotlin
  - Prequalification
  - Placements
  properties:
  - type: Repository
    url: https://github.com/bppub/breadfinancial-brand-partners-android
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-onboarding
- name: Bread Webhooks
  description: Outbound webhook system for the BreadPay Platform that notifies merchant systems of transaction lifecycle events.
    Documented under the BreadPay developer site with setup, concepts, validation, and client implementation guides.
  humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
  baseURL: https://platform-docs.breadpayments.com/bread-developers/docs
  tags:
  - Webhooks
  - Events
  - Transactions
  - Eventing
  properties:
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers/docs
- aid: alliance-data-systems:alliance-data-systems-buyers-api
  name: Alliance Data Systems (Bread Financial Holdings) Buyers API
  description: Manage buyer records and look up personalized payment options.
  humanURL: https://platform-docs.breadpayments.com/bread-developers
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Buyers
  properties:
  - type: OpenAPI
    url: openapi/alliance-data-systems-buyers-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: Concepts
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
  - type: SandboxBaseURL
    url: https://api-preview.platform.breadpayments.com/api
  - type: ProductionBaseURL
    url: https://api.platform.breadpayments.com/api
  - type: Capability
    url: capabilities/bread-pay-platform-transactions.yaml
  - type: Capability
    url: capabilities/bread-pay-platform-buyers.yaml
  - type: Documentation
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: GettingStarted
    url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
  - type: Checkout
    url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
  - type: Testing
    url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
  - type: ManagingTransactions
    url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
  - type: Capability
    url: capabilities/bread-classic-transactions.yaml
- aid: alliance-data-systems:alliance-data-systems-carts-api
  name: Alliance Data Systems (Bread Financial Holdings) Carts API
  description: Manage Bread shopping carts that initiate the BNPL checkout flow.
  humanURL: https://platform-docs.breadpayments.com/bread-developers
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Carts
  properties:
  - type: OpenAPI
    url: openapi/alliance-data-systems-carts-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: Concepts
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
  - type: SandboxBaseURL
    url: https://api-preview.platform.breadpayments.com/api
  - type: ProductionBaseURL
    url: https://api.platform.breadpayments.com/api
  - type: Capability
    url: capabilities/bread-pay-platform-transactions.yaml
  - type: Capability
    url: capabilities/bread-pay-platform-buyers.yaml
  - type: Documentation
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: GettingStarted
    url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
  - type: Checkout
    url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
  - type: Testing
    url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
  - type: ManagingTransactions
    url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
  - type: Capability
    url: capabilities/bread-classic-transactions.yaml
- aid: alliance-data-systems:alliance-data-systems-payment-options-api
  name: Alliance Data Systems (Bread Financial Holdings) Payment Options API
  description: Retrieve buyer-personalized payment option pricing and terms.
  humanURL: https://platform-docs.breadpayments.com/bread-developers
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Payment Options
  properties:
  - type: OpenAPI
    url: openapi/alliance-data-systems-payment-options-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: Concepts
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
  - type: SandboxBaseURL
    url: https://api-preview.platform.breadpayments.com/api
  - type: ProductionBaseURL
    url: https://api.platform.breadpayments.com/api
  - type: Capability
    url: capabilities/bread-pay-platform-transactions.yaml
  - type: Capability
    url: capabilities/bread-pay-platform-buyers.yaml
  - type: Documentation
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: GettingStarted
    url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
  - type: Checkout
    url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
  - type: Testing
    url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
  - type: ManagingTransactions
    url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
  - type: Capability
    url: capabilities/bread-classic-transactions.yaml
- aid: alliance-data-systems:alliance-data-systems-shipping-api
  name: Alliance Data Systems (Bread Financial Holdings) Shipping API
  description: Attach carrier and tracking-number information to a transaction.
  humanURL: https://platform-docs.breadpayments.com/bread-developers
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Shipping
  properties:
  - type: OpenAPI
    url: openapi/alliance-data-systems-shipping-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: Concepts
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
  - type: SandboxBaseURL
    url: https://api-preview.platform.breadpayments.com/api
  - type: ProductionBaseURL
    url: https://api.platform.breadpayments.com/api
  - type: Capability
    url: capabilities/bread-pay-platform-transactions.yaml
  - type: Capability
    url: capabilities/bread-pay-platform-buyers.yaml
  - type: Documentation
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: GettingStarted
    url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
  - type: Checkout
    url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
  - type: Testing
    url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
  - type: ManagingTransactions
    url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
  - type: Capability
    url: capabilities/bread-classic-transactions.yaml
- aid: alliance-data-systems:alliance-data-systems-transactions-api
  name: Alliance Data Systems (Bread Financial Holdings) Transactions API
  description: Manage completed Bread Pay transactions.
  humanURL: https://platform-docs.breadpayments.com/bread-developers
  baseURL: https://api.platform.breadpayments.com/api
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/alliance-data-systems-transactions-api-openapi.yml
  - type: Documentation
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: Concepts
    url: https://platform-docs.breadpayments.com/bread-developers/docs
  - type: Authentication
    url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
  - type: APIReference
    url: https://platform-docs.breadpayments.com/bread-developers/reference
  - type: SandboxBaseURL
    url: https://api-preview.platform.breadpayments.com/api
  - type: ProductionBaseURL
    url: https://api.platform.breadpayments.com/api
  - type: Capability
    url: capabilities/bread-pay-platform-transactions.yaml
  - type: Capability
    url: capabilities/bread-pay-platform-buyers.yaml
  - type: Documentation
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: GettingStarted
    url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
  - type: Checkout
    url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
  - type: Testing
    url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
  - type: ManagingTransactions
    url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
  - type: Capability
    url: capabilities/bread-classic-transactions.yaml
common:
- type: AgenticAccess
  url: agentic-access/alliance-data-systems-agentic-access.yml
- type: DomainSecurity
  url: security/alliance-data-systems-domain-security.yml
- type: Authentication
  url: authentication/alliance-data-systems-authentication.yml
- type: OAuthScopes
  url: scopes/alliance-data-systems-scopes.yml
- type: Website
  url: https://www.breadfinancial.com
- type: FormerWebsite
  url: https://www.alliancedata.com
- type: BNPLWebsite
  url: https://www.breadpayments.com
- type: BusinessSolutions
  url: https://www.breadfinancial.com/en/business-solutions.html
- type: BuyNowPayLater
  url: https://www.breadfinancial.com/en/business-solutions/buy-now-pay-later.html
- type: Newsroom
  url: https://newsroom.breadfinancial.com
- type: InvestorRelations
  url: https://investor.breadfinancial.com
- type: SECRebrandFiling
  url: https://www.sec.gov/Archives/edgar/data/0001101215/000110121522000058/form_8-k.htm
- type: WikipediaPage
  url: https://en.wikipedia.org/wiki/Bread_Financial
- type: DeveloperPortal
  url: https://platform-docs.breadpayments.com/bread-developers
- type: ClassicDeveloperPortal
  url: https://docs.breadpayments.com/bread-classic/reference
- type: OnboardingDocs
  url: https://platform-docs.breadpayments.com/bread-onboarding
- type: GitHubOrganization
  url: https://github.com/bppub
- type: IntegrationsGitHubOrganization
  url: https://github.com/breadfinance
- type: LegacyGitHubOrganization
  url: https://github.com/getbread
- type: APITracker
  url: https://apitracker.io/a/breadpayments
- type: LinkedIn
  url: https://www.linkedin.com/company/bread-financial
- type: Plans
  url: plans/alliance-data-systems-plans-pricing.yml
- type: RateLimits
  url: rate-limits/alliance-data-systems-rate-limits.yml
- type: FinOps
  url: finops/alliance-data-systems-finops.yml
- type: Vocabulary
  url: vocabulary/alliance-data-systems-vocabulary.yml
- type: JSONLDContext
  url: json-ld/alliance-data-systems-context.jsonld
- url: https://newsroom.breadfinancial.com/rss.xml
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com