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How it works

Identify your business needs

Our team of experts will work with you to determine your needs in-store or online

Tailor your solution

Customized financing offers created to drive growth for businesses of all sizes 

Easy integration 

Getting set up with Bread Pay™ is simple, and our team is here to help every step of the way

Start transacting

You will see your funds within two business days of settlement

 

Why Bread Pay?

With Bread Pay, you'll get the Bread Financial Advantage. Bread Financial is a tech-forward financial services company. They provide simple, personalized payment, lending and saving solutions. For more than 25 years, we’ve been the expert in tailored white-label consumer financing solutions for some of the world’s top brands.

1 in 8 Americans have a Bread Financial account*

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40

+

million card holders
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600

+

brand partners
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33

+

billion transactions

 

The Bread Pay Difference

We offer rich features, functionality, and marketing solutions designed with your business in mind. 

Boosting conversions
Get richer customer insights and rescue abandoned carts with data sharing

Enhancing accessibility

Unlock flexible and affordable loan options for your business and customers wherever they shop

Personalize your brand

Engage customers on a whole new level with our customizable white-label offerings

We're the bank
Our two banks enable better underwriting, higher approval rates, and financing software to fuel your growth

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Take the first step: Provide your info and we'll be in touch