Bread Financial website screenshot

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 9 APIs on the APIs.io network, including BreadPay Checkout API, BreadPay Merchant Operations API, BreadPay Servicing API, and 6 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 17 more developer resources.

41.0/100 developing ▬ flat Agent 38/100 agent ready library Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessSelf serve
13 APIs
CompanyFintechPaymentsBuy Now Pay LaterLendingConsumer FinancePoint-of-SaleE-Commerce

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
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 13

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...

BreadPay Checkout API

Checkout supports the buyer's shopping journey — starting and decisioning a financing application, returning personalized payment agreement options, completing checkout in-store...

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...

BreadPay Merchant Operations API

The merchant-facing transaction lifecycle — authorize, settle, refund, cancel, rescind, extend expiration — plus carts, fulfillment detail, and settlement/funding/targeting repo...

BreadPay Servicing API

The buyer's post-purchase journey — payment agreements, balances and ledger breakdowns, autopay enrollment, scheduled and ad-hoc payments, refunds, fee and principal waivers, pr...

BreadPay Buyer Management API

Registration, lookup and management of buyers and their contacts, credit-report data, status and authorized third parties, with fraud-management capabilities around allow-listin...

BreadPay Payments API

Stored payment methods and their access and transient tokens, ACH account unblocking, network token retrieval, payment execution and audit, refunds and payment reversal. 21 oper...

BreadPay Foundations API

Platform foundations — service-account authorization (HTTP Basic client credentials exchanged for a bearer JWT), buyer login and token refresh, org-token exchange, one-time veri...

BreadPay Webhook API

Self-service webhook subscription management — create, update and delete subscriptions with NONE, BASIC or static-bearer subscriber auth, list delivered events by status, replay...

BreadPay Program API

Management of public programs, payment products and the policies that determine system behaviour and execution. Only one operation is published (getPaymentProductEnrollmentByMer...

BreadPay Tradein API

Streamlines the upgrade / trade-in flow for the Apple program — upgrade elections, trade-in payments, and linking an upgradeable loan to a payment agreement. 6 operations.

Scroll for all 13

Event Specifications 1

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

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

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Build 4

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 1

Pricing, plans, and the legal terms of use

Company 1

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
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
  - 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:bread-pay-api
  name: BreadPay Checkout API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Installment Financing
  - Checkout
  - Payments
  - BNPL
  - Virtual Card
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/checkout-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-checkout-openapi.json
    type: OpenAPI
  - url: overlays/bread-checkout-overlay.yaml
    type: Overlay
  - url: https://platform-docs.breadpayments.com/bread-developers
    type: Documentation
  - url: https://docs.breadpayments.com/oas/v2/2.0/checkout.openapi3.json
    type: OpenAPI
  description: Checkout supports the buyer's shopping journey — starting and decisioning a financing application, returning
    personalized payment agreement options, completing checkout in-store or online, and issuing virtual cards into Apple Pay
    or Google Pay wallets. 18 operations.
- 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:merchant-operations-api
  name: BreadPay Merchant Operations API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Transactions
  - Settlement
  - Refunds
  - Reporting
  - Carts
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/merchant-operations-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-merchant-operations-openapi.json
    type: OpenAPI
  - url: overlays/bread-merchant-operations-overlay.yaml
    type: Overlay
  - url: skills/bread-authorize-and-settle-a-transaction.md
    type: AgentSkill
  - url: skills/bread-refund-or-cancel-a-transaction.md
    type: AgentSkill
  description: The merchant-facing transaction lifecycle — authorize, settle, refund, cancel, rescind, extend expiration —
    plus carts, fulfillment detail, and settlement/funding/targeting reporting exports. Transaction state changes are guarded
    by an ETag/If-Match revision check that answers 412 on a mismatch. 32 operations.
- aid: bread-financial:servicing-api
  name: BreadPay Servicing API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Loan Servicing
  - Payments
  - Disclosures
  - Disputes
  - Post-Purchase
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/servicing-1-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-servicing-openapi.json
    type: OpenAPI
  - url: overlays/bread-servicing-overlay.yaml
    type: Overlay
  - url: skills/bread-take-a-payment-on-a-payment-agreement.md
    type: AgentSkill
  description: The buyer's post-purchase journey — payment agreements, balances and ledger breakdowns, autopay enrollment,
    scheduled and ad-hoc payments, refunds, fee and principal waivers, product disputes, deferred interest, "as low as" offers
    and regulatory disclosure generation. The largest definition at 64 operations, and the only one carrying an idempotency
    key.
- aid: bread-financial:buyer-management-api
  name: BreadPay Buyer Management API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Identity
  - Consumer Credit
  - KYC
  - PII
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/buyer-management-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-buyer-management-openapi.json
    type: OpenAPI
  - url: overlays/bread-buyer-management-overlay.yaml
    type: Overlay
  description: Registration, lookup and management of buyers and their contacts, credit-report data, status and authorized
    third parties, with fraud-management capabilities around allow-listing and self cure. Handles regulated consumer PII including
    credit-file results. 15 operations.
- aid: bread-financial:payments-api
  name: BreadPay Payments API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Payment Methods
  - Tokenization
  - ACH
  - Network Tokens
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/payments-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-payments-openapi.json
    type: OpenAPI
  - url: overlays/bread-payments-overlay.yaml
    type: Overlay
  - url: errors/bread-decline-codes.yml
    type: DeclineCodes
  description: Stored payment methods and their access and transient tokens, ACH account unblocking, network token retrieval,
    payment execution and audit, refunds and payment reversal. 21 operations.
- aid: bread-financial:foundations-api
  name: BreadPay Foundations API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Authentication
  - OAuth
  - Tokens
  - Verification Codes
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/foundations-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-foundations-openapi.json
    type: OpenAPI
  - url: overlays/bread-foundations-overlay.yaml
    type: Overlay
  - url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
    type: Authentication
  description: Platform foundations — service-account authorization (HTTP Basic client credentials exchanged for a bearer
    JWT), buyer login and token refresh, org-token exchange, one-time verification codes, org codes, and the common models
    shared across every other domain. 15 operations.
- aid: bread-financial:webhook-api
  name: BreadPay Webhook API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Webhooks
  - Events
  - CloudEvents
  - Replay
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/webhook-1-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-webhook-openapi.json
    type: OpenAPI
  - url: overlays/bread-webhook-overlay.yaml
    type: Overlay
  - url: webhooks/bread-webhooks.yml
    type: Webhooks
  - url: skills/bread-subscribe-to-webhooks.md
    type: AgentSkill
  description: Self-service webhook subscription management — create, update and delete subscriptions with NONE, BASIC or
    static-bearer subscriber auth, list delivered events by status, replay failed events by id, fire a synthetic integration
    test event, and fetch the JWKs that verify the detached JWS signature on every delivery. Events are CloudEvents 1.0.2
    over the HTTP binding. 9 operations.
- aid: bread-financial:program-api
  name: BreadPay Program API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Programs
  - Payment Products
  - Policies
  - Enrollment
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/program-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-program-openapi.json
    type: OpenAPI
  - url: overlays/bread-program-overlay.yaml
    type: Overlay
  description: Management of public programs, payment products and the policies that determine system behaviour and execution.
    Only one operation is published (getPaymentProductEnrollmentByMerchantID) against 47 component schemas, so the definition
    describes far more of the domain model than it exposes.
- aid: bread-financial:tradein-api
  name: BreadPay Tradein API
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bread.png
  tags:
  - Trade-In
  - Upgrade
  - Apple Program
  humanURL: https://platform-docs.breadpayments.com/bread-developers/reference/tradein-introduction
  baseURL: https://api.platform.breadpayments.com
  properties:
  - url: openapi/bread-tradein-openapi.json
    type: OpenAPI
  - url: overlays/bread-tradein-overlay.yaml
    type: Overlay
  description: Streamlines the upgrade / trade-in flow for the Apple program — upgrade elections, trade-in payments, and linking
    an upgradeable loan to a payment agreement. 6 operations.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- 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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