Merchants Help Center
Merchant General Questions
Bread® is a pay-over-time technology solution that helps people make purchases with easy-to-understand payments through its affiliated bank, Comenity Capital Bank. Bread is now expanding its pay-over-time solution to include debt consolidation loans made by Comenity Capital Bank.
Bread is a true full-funnel solution. How you choose to integrate Bread is completely up to you. We can be integrated completely throughout your website; homepage, product page, cart page, and checkout page integration are just starting points. You may also include financing 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 risk.
Bread partners with great brands selling direct to consumers (not to businesses) across many industries, from home goods to auto parts to fine jewelry. Bread’s solutions focus on financing durable goods rather than services. We support online, phone, and in-store sales channels with best-in-class technology and an outstanding service organization. Contact a member of our team to see how Bread can help your organization.
Yes, Bread has robust white-labeling capabilities that have been proven to drive higher conversions for our partners. With Bread you can customize the placement, aesthetics, and branding of financing across your site, including the application experience.
Businesses choose Bread because our platform puts your brand first. With Bread, you can customize financing across your site to offer your shoppers a seamless shopping experience, transparent terms, and more ways to pay.
Use Bread online, in-store, and/or over the phone. Our data-driven solutions are also built to support your marketing and retargeting efforts and can be easily integrated into any of your marketing channels including paid, email, and social media.
US residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible to apply for financing, provided the customer’s identity can be verified. Please note that we do not currently offer financing for our installment loans in Idaho, Iowa, and West Virginia.
Bread Installment loans made by our partner bank include both 0% APR and interest-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 OMS or by logging into Bread’s merchant portal.
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.
We notify the shopper within our embedded Bread interface and via email that they did not qualify for financing. We work with our retail partners to communicate that alternative payment options are available in the event a customer is not pre-qualified.
Bread was launched in 2014 and is backed by leading venture investors. 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.
Yes, Bread may report repayment information to consumer reporting agencies.