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 LaterBNPLBread 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