Merchants Help Center

To pay with SplitPay, the value of the purchase has to be between $50-$1000.

SplitPay is available to shoppers who are:

a U.S. resident;
At least 18 years old (or at least 19 for Alabama or Nebraska residents);
Have a valid mobile number and email address; and
Own a debit or credit card with sufficient funds to cover the first two payment amounts.

Please note that we cannot accept payments by ACH, Bank Transfer, or Pre-Paid cards. Customers need to fully pay off their outstanding SplitPay installment before making another SplitPay purchase with Bread.

Please note that SplitPay is not currently available in California. For Merchants that are launching with Comenity Capital Bank, the SplitPay product is available in all states.

Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose a Bread payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the three major credit reporting agencies.

Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.

Bread’s pay-over-time plans are designed to offer customers a simple payment solution. Shoppers make equal monthly payments until their Installment loan is repaid. Shoppers are reminded of their due date each month, and there is no penalty for early repayment.

Bread is a true full-funnel solution. Integrating with Bread is flexible—we’ll work with you to define the ideal experience that fits your business and your shoppers’ needs. Bread integrates completely across your website; homepage, product page, cart page, and checkout page are just the starting points. Bread lets you include pay-over-time plans in your customer acquisition tactics and your activation and win-back programs.

With Bread, you are paid upfront in full, minus a merchant discount fee, within three (3) business days of requesting settlement. We assume the credit risk.

Bread partners with leading brands of varying sizes across industries—from home goods and furniture to electronics and healthcare products. Our flexible platform and robust suite of APIs allow merchants to integrate pay-over-time plans anywhere in their customers’ shopping journey. Together, Bread & ADS can provide a platform that marries the data-driven loyalty benefits from private-label and co-branded card programs with Bread’s price transformation capabilities.

Contact a member of our team to see how Bread can help your business.

Yes, with Bread you can customize the placement, aesthetics, and branding of pay-over-time plans across your site, including the application experience.

The Bread Platform makes it fast and easy for merchants to offer personalized payment experiences. Bread transforms how shoppers think about price and drives customer loyalty across the entire shopping journey. Integrate once and you’ll get access to a full suite of flexible payment options, applications, and tools designed to help capture more revenue and drive long-term customer relationships.

U.S. residents at least 18 years-old (or at least 19 for Alabama or Nebraska residents) are eligible, provided their creditworthiness and identity can be verified. To buy with Bread Financial™, you must also have a valid mobile number and email address. Please note that our products are not available in US Territories. For merchants launching with Comenity Capital Bank, no states will be excluded. For those with the Cross River Bank program, Bread Pay Installment Loans™ are currently not available in Idaho, Iowa, and West Virginia.

Bread pay-over-time plans made by our partner bank include both 0% APR and APR-positive programs, along with a variety of terms based on your needs. Please reach out to discuss the optimal program for you and your shoppers.

Bread supports many of the leading ecommerce platforms, including Magento, Shopify, WooCommerce, and more. We also have a flexible API to support custom builds for our retail partners.  Learn more about our integrations here.

We work hard to deliver a professional, friendly, and dignified experience, which is why Bread in-house representatives will provide customer service related to Bread financing for your shoppers.

If a customer returns part or all of their order, you can process a partial or full refund after a transaction has been settled via your order management system or by logging into Bread’s merchant portal. Refunds must be applied toward the loan balance and not any other payment method or made in cash.

If a customer contacts Bread’s support team with a complaint regarding the order, and we find there is sufficient evidence you are acting outside of your existing shipping, cancellation, or return policy, our team will send you a formal inquiry.

Merchants are given an allotted period of time to provide a response. If we do not receive a response or Bread rules in favor of the customer, a chargeback will be issued in the amount disputed.

To review our current dispute policy, please refer to information provided on our merchant portal.

Unfortunately, not all who apply for financing may receive credit terms. If a shopper is declined, they will receive a message requesting they choose a different form of payment. Additionally, they won’t be eligible to apply for financing with Bread for the next 90 days.

Bread was launched in 2014 and was acquired by Alliance Data in late 2020. We are based in New York and have an office in Tampa to provide best in class payment solutions.

When your shoppers use the Bread product, they are taking out a loan from Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.