Alliance Data Systems (Bread Financial Holdings) · Authentication Profile

Alliance Data Systems Authentication

Authentication

Alliance Data Systems (Bread Financial Holdings) secures its APIs with http and oauth2 across 2 declared security schemes, as derived from its OpenAPI definitions. OAuth 2.0 is offered via the clientCredentials flow(s).

Financial ServicesFintechBuy Now Pay LaterBread PayPrivate Label CreditCo Brand Credit CardsLoyalty ProgramsMarketingData Driven MarketingPaymentsLendingSavingsPersonal LoansConsumer BankingRetail FinanceFortune 500NYSE BFHComenity BankRebrand
Methods: http, oauth2 Schemes: 2 OAuth flows: clientCredentials API key in:

Security Schemes

bearerAuth http
scheme: bearer
oauth2ClientCredentials oauth2
· flows: clientCredentials

Source

Authentication Profile

Raw ↑ 
generated: '2026-07-11'
method: derived
source: openapi/bread-classic-merchant-openapi.yml, openapi/bread-pay-platform-openapi.yml
summary:
  types:
  - http
  - oauth2
  oauth2_flows:
  - clientCredentials
schemes:
- name: bearerAuth
  type: http
  scheme: bearer
  description: Bread Merchant Portal access token (legacy scheme).
  sources:
  - openapi/bread-classic-merchant-openapi.yml
- name: oauth2ClientCredentials
  type: oauth2
  flows:
  - flow: clientCredentials
    tokenUrl: https://auth.platform.breadpayments.com/auth/sso/token
    scopes: 3
  description: OAuth 2.0 Client Credentials flow using API + Secret keys issued from the Bread
    Merchant Portal.
  sources:
  - openapi/bread-pay-platform-openapi.yml

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