Bread Financial

Bread Financial is a technology-driven financial services company offering white-label buy now pay later (BNPL), installment financing, and branded credit card products for merchants. The platform processes $27 billion in annual sales volume for 35.6 million active customers. Bread Pay enables merchants to embed financing options directly into their checkout flow for both online and in-store purchases, including installment plans (Bread Pay) and short-term split payment options (SplitPay).

2 APIs 0 Features
Buy Now Pay LaterBNPLFinancingPaymentsCreditRetail Finance

APIs

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...

Pricing Plans

Bread Plans Pricing

3 plans

PLANS

Rate Limits

Bread Rate Limits

5 limits

RATE LIMITS

FinOps

Bread Finops

FINOPS

Resources

👥
GitHubOrganization
GitHubOrganization
🔗
LinkedIn
LinkedIn
🔗
Website
Website
🔗
Documentation
Documentation
🔗
BusinessSolutions
BusinessSolutions

Sources

apis.yml Raw ↑ 
aid: bread
url: https://raw.githubusercontent.com/api-evangelist/bread/refs/heads/main/apis.yml
name: Bread Financial
tags:
- Buy Now Pay Later
- BNPL
- Financing
- Payments
- Credit
- Retail Finance
type: Index
kind: company
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
access: 3rd-Party
created: '2024-11-14'
modified: '2026-04-21'
position: Consumer
description: Bread Financial is a technology-driven financial services company offering white-label buy now pay later (BNPL),
  installment financing, and branded credit card products for merchants. The platform processes $27 billion in annual sales
  volume for 35.6 million active customers. Bread Pay enables merchants to embed financing options directly into their checkout
  flow for both online and in-store purchases, including installment plans (Bread Pay) and short-term split payment options
  (SplitPay).
apis:
- aid: bread: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: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.
common:
- type: GitHubOrganization
  url: https://github.com/getbread
- type: LinkedIn
  url: https://www.linkedin.com/company/bread-financial
- type: Website
  url: https://www.breadfinancial.com
- type: Documentation
  url: https://developers.breadfinancial.com/
- type: BusinessSolutions
  url: https://www.breadfinancial.com/en/business-solutions.html
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
specificationVersion: '0.19'