Empower your customers with buy now, pay later

Drive your business's growth by giving your shoppers more ways to pay online and in-store. With Bread Pay™'s buy now, pay later solution our partners have seen a 61% larger average ticket¹, a 59% increase in conversion rates², a 25% decrease in abandoned carts¹ and more.


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. We 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*

0

million card holders

0

brand partners

0

billion transactions

Your customer clicks learn more to prequalify for bread pay


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

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